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Bad credit car finance for Poulton-le-Fylde drivers
Poulton-le-Fylde is about eight miles north of our Kirkham forecourt, straight down the A585 through Singleton. For families in Poulton, Carleton and Thornton it is a twenty-minute drive, or a direct train to Kirkham & Wesham on the Blackpool North line.
- 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
Bad credit car finance for people in Poulton-le-Fylde
Poulton is a commuter town first and foremost. Most working residents drive to Blackpool, Preston or beyond, and the A585 between Poulton and the M55 is the one road that everyone shares, which makes a car that starts every morning a genuine necessity rather than a comfort. There is also a good deal of shift work at Blackpool Victoria Hospital, in care homes and in the retail parks, which the buses do not cover at either end of the day. The credit stories we hear in FY6 are often about a mortgage stretch, a car that failed expensively, or a joint account that went wrong after a split. Those can still be considered, 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.
Getting to us from Poulton-le-Fylde
Leave Poulton on the A585 heading south past Singleton and Windy Harbour to the roundabout at Junction 3 of the M55. Do not join the motorway; carry on along the A585 towards Kirkham and Wesham, then turn onto the A583 Blackpool Road where our forecourt sits on the main road.
Without a car
Northern trains from Poulton-le-Fylde station on the Blackpool North line call at Kirkham & Wesham, a short walk from the forecourt, without changing. Buses from Poulton to Blackpool or Preston connect with the same line.
Collection and delivery
Collection from Kirkham is easy from Poulton by car or train. Delivery to FY6 addresses, including Carleton and Thornton, may also be available and is 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 Poulton-le-Fylde.
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.
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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 -
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 -
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
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.
We are a two-car family in Poulton and one car is on its last legs. Can we finance a replacement with a poor credit score?
Adverse credit may be considered, subject to status and affordability. The lender will look at the household budget as a whole, including any existing finance, so bring details of what you already pay. A modest deposit or a part exchange from the old car can help the figures.
Can I apply from home in Poulton and just come to Kirkham to collect?
Yes. Check your eligibility online, and we will call you to talk through the cars that fit the figures. Once a lender has agreed the finance in principle, subject to affordability and final approval, you come to Blackpool Road to view the car, sign and drive it home along the A585.
I work nights at Blackpool Victoria Hospital and cannot get to Kirkham during the day. What are your hours?
We are open Monday to Saturday 9am to 6pm and Sunday 10am to 4pm, so an evening finish or a weekend usually works. Most of the finance paperwork can be handled by phone and email beforehand, subject to status, so the visit itself is about seeing the car and signing.
Poulton-le-Fylde 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.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.