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  3. Wigan

Bad credit car finance for Wigan drivers

Wigan is about twenty-eight miles south of our Kirkham forecourt, around thirty-five minutes straight up the M6 and along the M55. There are plenty of dealers in Wigan; what we offer is a lender panel built for adverse credit and a real forecourt to choose the car from.

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
28 milesfrom Wigan to our Kirkham forecourt
About 35 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 Wigan

Wigan sits on the M6 between Junctions 25 and 27, and much of the local economy is built around that: distribution centres, logistics parks and shift-based warehouse work, alongside the NHS and public sector. Shifts start and finish when trains do not run, and the borough spreads across Standish, Hindley, Ince and Ashton-in-Makerfield, so a car is a working tool for most households. Agency contracts and seasonal peaks in logistics can leave gaps in income that show up as late payments on a credit file. Lenders on our panel consider that context, 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 Wigan

Join the M6 northbound at Junction 25, 26 or 27 and follow it past Preston to Junction 32. Take the M55 west and leave at Junction 3. Follow the A585 towards Kirkham and turn onto the A583 Blackpool Road, where our forecourt sits on the main road on the west side of town.

Without a car

Trains from Wigan North Western reach Preston in around twenty minutes. Change at Preston for a Northern service to Kirkham & Wesham, which is a short walk from the forecourt.

Collection and delivery

Collection from Kirkham is always available and is a single motorway run from Wigan. Delivery to WN postcodes 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 Wigan.

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 Wigan customers

More answers on the full FAQ page.

I work agency shifts at a distribution centre in Wigan. Is that stable enough for car finance?

Agency work may be considered by lenders on our panel, subject to status and affordability. What helps is a run of consistent income shown on bank statements, ideally three months or more, and evidence that the assignment is ongoing. We will tell you honestly whether the current picture is strong enough or whether waiting a month would help.

There are dozens of dealers in Wigan. Why travel to Kirkham?

Because the finance is the hard part, not finding a car. We are a credit broker, not a lender, with a panel that considers CCJs, defaults and missed payments, subject to status. You choose from real cars on our forecourt, agree the figures face to face, and qualifying vehicles include an aftercare package.

Can I get a decision before I drive up the M6?

Yes. Check your eligibility online first, which uses a soft search that does not affect your credit score. We will then call to discuss suitable cars and place the application. With a lender decision in principle, subject to affordability and final approval, you drive to Kirkham knowing what you are coming to see.

Soft search · no pressure

Wigan 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.