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  3. Southport

Bad credit car finance for Southport, from Kirkham

Southport is not on our doorstep. The Ribble estuary sits between us, so although it is only thirty-one miles, the drive round through Preston takes closer to an hour. Southport customers mostly 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
31 milesfrom Southport to our Kirkham forecourt
About 55 minby road, outside peak times
Collect or deliverDelivery may be available to PR8, PR9
7 daysMon–Sat 9am–6pm, Sun 10am–4pm

Bad credit car finance for people in Southport

Southport is a seaside town with a large retired population alongside working families who commute to Liverpool, Preston and the Ormskirk area, plus seasonal hospitality and tourism trade on Lord Street and the front. Bus and rail links towards Liverpool are good, but the A565 and A59 to Preston are slow, and out-of-town employers in Formby, Burscough and the industrial estates around Southport need a car. Pension income, seasonal earnings and self-employment are all common in PR8 and PR9, and they can be considered by lenders on our panel, subject to status and affordability, even where a mainstream lender has said no.

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 Southport

If you are collecting, take the A565 north-east out of Southport through Crossens and Banks to Tarleton, then the A59 into Preston. Follow the ring road onto the A583 Blackpool Road and head west through Lea and Clifton into Kirkham. Alternatively take the A59 to the M6 at Junction 29 and use the M6 and M55 to Junction 3.

Without a car

There is no direct train. Take a Merseyrail or Northern service from Southport towards Wigan, change for Preston, then take a Northern train to Kirkham & Wesham. Allow around two hours door to door.

Collection and delivery

Collection from Kirkham is always available, though it is a slow road from Southport. Delivery to PR8 and PR9 addresses may be available and is discussed 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 Southport.

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 Southport customers

More answers on the full FAQ page.

Southport is a long drive round the estuary. Can you deliver the car to me?

Delivery to Southport may be available and is arranged once the finance is agreed and the paperwork is complete. We will confirm what is possible and any cost when we talk through the car. You are always welcome to collect from Kirkham instead. Any finance offer is subject to status and affordability.

I retired to Southport and my only income is a state and private pension. Can I still get finance?

Pension income may be considered by lenders on our panel, subject to status and affordability. The lender will look at the total regular income, your outgoings and the term, and some apply an upper age limit at the end of the agreement. We will tell you clearly where you stand before you pick a car.

How do I know the car is as described if I am buying from Southport without seeing it?

You can travel up to Kirkham to view and drive it before signing, which we recommend. If that is not practical, we send detailed photographs, a video and an honest description, and qualifying cars come with an aftercare package. Your distance-selling rights are explained in the paperwork. The finance itself is subject to affordability and lender approval.

Soft search · no pressure

Sort it from Southport, 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.