01772 971422
Bad Credit Car Finance by North West Car Group 01772 971422 Check my eligibility
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Bad credit car finance in Kirkham

This is where we are. North West Car Group trades from Blackpool Road, Kirkham, PR4 2RE, on the A583 a couple of minutes from Junction 3 of the M55. If you live in Kirkham or Wesham, the cars, the paperwork and the people are on your doorstep.

Check my eligibility Directions to Kirkham
  • FCA-authorised credit brokerNot a lender · FRN 954552
  • No credit check until you say soSoft search only, no impact on your score
  • Real dealership in KirkhamBlackpool Road, PR4 2RE · open 7 days
  • Family-run, 30+ years in the tradeSpeak to the people who supply the car
  • Collect from KirkhamDelivery may be available
HereOur forecourt is in Kirkham
Walk inNo appointment needed
Collect from KirkhamDelivery may be available
7 daysMon–Sat 9am–6pm, Sun 10am–4pm

Car finance from the forecourt on your doorstep

Kirkham and Wesham sit between Preston and Blackpool, and most working households here travel out: along the A583 into Preston, over the M55 to the coast, or further afield on the M6 from Junction 32. The train and the buses cover the main routes, but not early shift starts, rural employers or the school run, so a reliable car is what makes a job practical. Locally we meet people with a default from years back, a missed mobile contract payment, or a thin file after a spell of self-employment, who want their application looked at on the facts. As a credit broker, not a lender, we put it to a panel of lenders who consider adverse credit, subject to status.

CCJs, defaults, IVAs, missed payments and debt management plans may all be considered. We only run a soft-search eligibility check after we have spoken to you and you have agreed to it. A soft search does not affect your credit score and is not visible to other lenders. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.

Finding us

We are on Blackpool Road, the A583, on the western side of Kirkham between the town centre and the A585 junction. From Poulton Street in the town centre, head west onto Blackpool Road and look for the forecourt on the main road. From Wesham, come down Station Road to the A583 and turn towards Blackpool.

Without a car

Kirkham & Wesham railway station is a short walk from the forecourt, with Northern trains from Preston and Blackpool. Stagecoach buses between Preston and Blackpool stop in Kirkham town centre, a few minutes on foot from us.

Collection and delivery

Collection from Blackpool Road is the natural choice in Kirkham, and we can usually hand the car over on the day the finance completes. Delivery within PR4 may also be available, arranged once the finance is agreed.

Our only forecourt is at Blackpool Road, Kirkham, Preston PR4 2RE. We do not have a branch or office in Kirkham.

How it works

Three straightforward steps

No pressure at any point, and you are free to stop whenever you like. A hard credit search only ever happens at full application, and we will tell you before it does.

  1. Tell us where you stand

    A short form, about two minutes. Sending it does not run any credit check by itself and puts you under no obligation.

    No credit check at this stage

  2. We call you before anything is searched

    A person reads your enquiry and phones you. Only once you have agreed do we run a soft-search eligibility check with lenders on our panel who consider adverse credit. A soft search leaves no footprint and other lenders cannot see it.

    Invisible to other lenders

  3. We come back with honest options

    Real figures on real cars from our Kirkham forecourt, or a straight explanation if we cannot help right now. You choose whether to go ahead.

    Collect from Kirkham or ask about delivery
On the forecourt now

Cars available on finance

All in Kirkham, all with real photographs. Check eligibility with a car attached or start without one.

*Estimated monthly figures are illustrative, based on the representative example in the footer.

See every car on finance →

Local questions

Asked by Kirkham customers

More answers on the full FAQ page.

Do I need an appointment to visit you on Blackpool Road?

No. During opening hours you are welcome to walk in, look round the forecourt and talk to us. If you would like the finance side moving before you arrive, check your eligibility online first and we can have the figures ready when you get here, subject to status and affordability.

I live in Kirkham and have a CCJ from a few years ago. Is it worth applying?

Yes, it is worth asking. A County Court Judgment does not rule you out automatically. We are a credit broker, not a lender, and several lenders on our panel will consider applicants with a CCJ, a default or previous arrears, subject to status and affordability. Being settled locally with steady income helps.

Can I choose a car from the forecourt before the finance is sorted?

You can. Every car we finance is a real vehicle on the Kirkham forecourt, so you can view it, sit in it and take it out before anything is signed. Once you have picked one, we place the application with a suitable lender and confirm the monthly figure, subject to affordability and lender approval.

Soft search · no pressure

Walk in, or start online

Tell us where you stand. It takes about two minutes, sending the form does not run a credit check by itself, and there is no obligation.

Check my eligibility 01772 971422
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.