01772 971422
Bad Credit Car Finance by North West Car Group 01772 971422 Check my eligibility
Check my eligibility — soft search

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Car finance with a CCJ Car finance with an IVA Car finance with defaults Missed payments and arrears Car finance on a DMP Refused elsewhere Self-employed Income from benefits No-deposit car finance Soft-search explained

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  3. Manchester

Bad credit car finance for Manchester, from Kirkham

Manchester is not local to us and we do not pretend otherwise. Our only site is Kirkham, Lancashire, about forty-five miles and an hour up the M61, M6 and M55. Manchester customers deal with us remotely: check eligibility online, agree the car and 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 Manchester to our Kirkham forecourt
About 60 minby road, outside peak times
Collect or deliverDelivery may be available to M1, M2, M3
7 daysMon–Sat 9am–6pm, Sun 10am–4pm

Bad credit car finance for people in Manchester

Manchester has more car dealers than anywhere else in the North West, so nobody travels to Kirkham for choice. People in the M postcodes contact us because a mainstream application has been declined and they want a credit broker, not a lender, with a panel that considers adverse credit, subject to status and affordability. The city has a huge population of young renters, students and graduates with thin files, alongside shift workers in the hospitals, the airport and the logistics parks around the M60 where the tram and the trains do not reach at the hours they work. Our process is built for doing the deal at a distance and doing it straight.

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 Manchester

If you are collecting, head north on the M61 from the M60 or M62 and follow it to Junction 30 of the M6. Continue north to Junction 32, take the M55 west and 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

Northern trains run from Manchester Victoria, Oxford Road and Piccadilly to Preston, and many services on the Blackpool North route continue through Kirkham & Wesham. If yours does not, change at Preston. The forecourt is a short walk from the station.

Collection and delivery

Collection from Kirkham is always available and is a single motorway run from most of Manchester. Delivery to M postcodes may be available and is discussed when the finance is agreed, given the distance.

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

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 Manchester customers

More answers on the full FAQ page.

What is the process for buying from you if I live in Manchester?

Check your eligibility online with a soft search. We call you, go through the cars on our forecourt that fit the figures, and send photographs and a walk-round description. Once a lender has approved the finance, subject to status and affordability, you either collect from Kirkham or we discuss delivery to your Manchester address.

I rent in Manchester and have moved three times in two years. Will that hurt my application?

Frequent moves can make address history harder to verify, but they do not stop an application on their own. Bring proof of each address for the last three years if you can. Lenders on our panel consider a range of circumstances, subject to status and affordability, and we will say honestly if the history needs more evidence.

Why would I buy a car in Kirkham when there are hundreds of dealers in Manchester?

Only if the finance has been the problem. Being a credit broker, not a lender, we can place an application with a lender whose criteria fit a bruised file, subject to status. The car is real, on our forecourt, and qualifying vehicles come with an aftercare package, so you are financing something we actually stand behind.

Soft search · no pressure

Sort it from Manchester, 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.