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Bad credit car finance for Liverpool, from Kirkham

Liverpool is not local to us. Our only forecourt is in Kirkham, Lancashire, about forty-five miles and roughly an hour away by the M58, M6 and M55. Liverpool customers deal with us remotely: check eligibility online, agree the car and the figures by phone, then collect from Kirkham or arrange delivery.

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
45 milesfrom Liverpool to our Kirkham forecourt
About 60 minby road, outside peak times
Collect or deliverDelivery may be available to L1, L2, L3
7 daysMon–Sat 9am–6pm, Sun 10am–4pm

Bad credit car finance for people in Liverpool

Liverpool has every kind of car dealer within a few miles of the city centre, so the reason anyone in the L postcodes calls Kirkham is the finance, not the forecourt. The city runs on the port and logistics, the hospitals, the universities and a big hospitality and events trade, much of it shift-based or seasonal, and while Merseyrail is excellent in town it does not reach the distribution parks at Speke, Knowsley or Haydock at shift times. Thin files, variable income and a default from a rough patch are all things our lender panel will consider, subject to status and affordability, after a mainstream lender has declined.

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.

Getting to us from Liverpool

If you are collecting, take the M57 or the A59 to the M58, follow the M58 east to Junction 26 of the M6, then head north past Preston to Junction 32. Take the M55 west, leave at Junction 3, follow the A585 towards Kirkham and turn onto the A583 Blackpool Road. Our forecourt is on the main road.

Without a car

Take a train from Liverpool Lime Street to Preston; some services are direct and others change at Wigan North Western. From Preston, a Northern train reaches Kirkham & Wesham in around ten minutes, and the forecourt is a short walk away.

Collection and delivery

Collection from Kirkham is always available. Because of the distance, delivery to Liverpool L postcodes may be available and is discussed once the finance is agreed and the paperwork is signed.

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

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 Liverpool customers

More answers on the full FAQ page.

I am in Liverpool. Do I have to come to Kirkham at all?

Not necessarily. The eligibility check, the choice of car and the finance application can all be handled online and by phone, and we send photographs and a video of the car. Once the lender has approved the finance, subject to status and affordability, you can collect from Kirkham or ask whether delivery to Liverpool is available.

I work in hospitality in Liverpool and my hours drop after Christmas. How do lenders view that?

Lenders on our panel look at income over a period rather than a single month, so a full year of bank statements or a spread of payslips gives a fair picture. Seasonal dips are understood on the coast and in the city alike. Any offer is subject to status and affordability, and we will say if the timing is wrong.

What happens if the car is not as described when it arrives in Liverpool?

We describe every car honestly and send detailed photographs and a video before you commit, and qualifying vehicles include an aftercare package. If you buy at a distance you have rights set out in the paperwork, and we would rather sort a problem than argue about it. The finance is subject to affordability and lender approval.

Soft search · no pressure

Sort it from Liverpool, collect from Kirkham

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.