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  3. Lytham St Annes

Bad credit car finance for Lytham St Annes drivers

Lytham St Annes is one of our closest neighbours: about seven miles from the Kirkham forecourt by way of Warton and Wrea Green. Whether you are in Lytham, Ansdell, Fairhaven or St Annes, we are around fifteen minutes away by car and one stop-and-change by train.

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
7 milesfrom Lytham St Annes to our Kirkham forecourt
About 15 minby road, outside peak times
Collect from KirkhamDelivery may be available
7 daysMon–Sat 9am–6pm, Sun 10am–4pm

Bad credit car finance for people in Lytham St Annes

Lytham St Annes mixes retired residents with working families who commute to Preston, Blackpool and the aerodrome at Warton, plus a strong self-employed community in trades, hospitality and the golf and events calendar. Parking near the front is metered in season and driveway space is tight in the terraces off St Annes Road, so people run one dependable car rather than two. We hear from buyers whose credit was knocked by a business that slowed, by a divorce, or by a period on a fixed pension where a card balance crept up. Retirement or self-employed income can be considered, subject to status and affordability.

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 Lytham St Annes

From Lytham take the A584 Preston Road east to Warton, then turn left onto the B5259 through Wrea Green and into Kirkham; our forecourt is on Blackpool Road, the A583, on the west side of town. From St Annes, head out along Heyhouses Lane and Ballam Road to Wrea Green and pick up the same route.

Without a car

Northern trains on the Blackpool South line from St Annes-on-the-Sea, Ansdell & Fairhaven and Lytham run direct to Kirkham & Wesham, which is a short walk from the forecourt. Buses via Preston are an alternative.

Collection and delivery

Collection from Kirkham is a fifteen-minute drive from anywhere in FY8, and most customers come to see the car first. Delivery to Lytham St Annes addresses 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 Lytham St Annes.

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.

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Local questions

Asked by Lytham St Annes customers

More answers on the full FAQ page.

I am retired in St Annes and my income is a pension. Can I still be considered for car finance?

Pension income can be considered by lenders on our panel, subject to status and affordability. Lenders will look at the total regular income coming in, your outgoings, and the term of the agreement, and some set an upper age limit for the end of the term. We will tell you where you stand before you choose a car.

I run a small business in Lytham and my accounts are not tidy. What will a lender want to see?

Typically bank statements covering the last three months, and for longer self-employment either your latest tax calculation or accounts. Not every lender asks for the same thing, which is where a credit broker, not a lender, helps. Any offer is subject to affordability and lender approval, and we will say if more paperwork would strengthen the application.

Is it worth the drive to Kirkham when there are dealers in Lytham St Annes?

That is for you to judge, but the reason people do it is the combination of a real forecourt and a lender panel that considers adverse credit, subject to status. You can view and drive the car, agree the figures face to face, and drive it home along the same road you came in on.

Soft search · no pressure

Lytham St Annes to Kirkham is closer than you think

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.