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Bad Credit Car Finance in St Helens

CCJs, IVAs, defaults and missed payments all considered. Serving St Helens, Newton-le-Willows, Haydock, Rainford, Billinge and surrounding areas — just 30 miles from our Kirkham base.

✔ Soft search — no footprint ✔ CCJs considered ✔ IVAs considered ✔ Same-day decisions ✔ £0 deposit options
Check My Eligibility Free → Browse Available Cars
Soft search — no footprint CCJ & IVA friendly Same-day decisions Zero deposit options North West specialists

Bad Credit Car Finance in St Helens — We Help Where Others Couldn't

St Helens sits between Liverpool and Manchester on the M62 — well-connected but still very much a town where car ownership is essential for daily life. It has a strong working-class identity and a population that includes a significant number of people in manufacturing, logistics, healthcare and trades. Many St Helens drivers have credit marks — a CCJ, an IVA, missed payments or defaults — that mainstream lenders use as a reason to decline. We use them as an opportunity to find a lender who can actually help. Our specialist panel covers St Helens, Newton-le-Willows, Haydock, Rainford and Billinge. Soft search, no footprint, quick decisions.

Our specialist lender panel is built specifically for people with adverse credit histories. Rather than looking purely at your credit score, our lenders assess your current income, employment and affordability — giving you a fair chance even if you have a CCJ, IVA, missed payments or defaults on your file.

We always start with a soft credit search — completely invisible to other lenders, with absolutely no impact on your credit score. Only if you proceed to a full application will a hard search be needed.

Credit situations we cover

  • CCJs (County Court Judgements)
  • IVAs — current or recently completed
  • Defaults & missed payments
  • Adverse & poor credit history
  • Bankruptcy (discharged)
  • Previous repossessions
  • Thin or no credit file

Employment types accepted

  • Employed full or part time
  • Self-employed & sole traders
  • Zero-hours contracts
  • Benefits & Universal Credit
  • Retired with pension income
  • Agency & temporary workers
  • Variable or seasonal income

Cars Available on Finance in St Helens

All available on bad credit finance — CCJs, IVAs and missed payments considered. Apply in minutes with our free soft search.

MERCEDES-BENZ A-CLASS 1.3 A200 Sport (Executive) Hatchback 5dr Petrol 7G-DCT Euro 6 (s/s) (163 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE LOW RATE FINANCE AVAILABLE INSTANT DECISION
MERCEDES-BENZ A-CLASS 1.3 A200 Sport (Executive) Hatchback 5dr Petrol 7G-DCT Euro 6 (s/s) (163 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE LOW RATE FINANCE AVAILABLE INSTANT DECISION
29,500 milesPetrolRED
£14,500
From ~£327/mo
Apply for Finance →
AUDI A6 SALOON 2.0 TDI ultra Black Edition Saloon 4dr Diesel S Tronic Euro 6 (s/s) (190 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES INSTANT DECISION
AUDI A6 SALOON 2.0 TDI ultra Black Edition Saloon 4dr Diesel S Tronic Euro 6 (s/s) (190 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES INSTANT DECISION
85,827 milesDieselSILVER
£10,000
From ~£222/mo
Apply for Finance →
PEUGEOT 3008 1.6 BlueHDi Allure SUV 5dr Diesel Manual Euro 6 (s/s) (120 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABE INSTANT DECISION
PEUGEOT 3008 1.6 BlueHDi Allure SUV 5dr Diesel Manual Euro 6 (s/s) (120 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABE INSTANT DECISION
30,307 milesDieselBRONZE
£10,750
From ~£239/mo
Apply for Finance →
VOLKSWAGEN POLO 1.0 TSI GPF SE Hatchback 5dr Petrol DSG Euro 6 (s/s) (95 ps)***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES INSTANT DECISION
VOLKSWAGEN POLO 1.0 TSI GPF SE Hatchback 5dr Petrol DSG Euro 6 (s/s) (95 ps)***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES INSTANT DECISION
58,938 milesPetrolSilver
£11,000
From ~£245/mo
Apply for Finance →
AUDI TT 1.8 TFSI S line Coupe 3dr Petrol Manual Euro 6 (s/s) (180 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES INSTANT DECISION
AUDI TT 1.8 TFSI S line Coupe 3dr Petrol Manual Euro 6 (s/s) (180 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES INSTANT DECISION
84,359 milesPetrolWHITE
£11,000
From ~£245/mo
Apply for Finance →
SEAT ATECA 1.0 TSI Ecomotive SE SUV 5dr Petrol Manual Euro 6 (s/s) (115 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES 1 HOUR DECISION
SEAT ATECA 1.0 TSI Ecomotive SE SUV 5dr Petrol Manual Euro 6 (s/s) (115 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES 1 HOUR DECISION
47,073 milesPetrolGREEN
£10,000
From ~£222/mo
Apply for Finance →
SUZUKI VITARA 1.0 Boosterjet SZ-T SUV 5dr Petrol Manual Euro 6 (s/s) (111 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE 1 HOUR DECISION LOW RATES
SUZUKI VITARA 1.0 Boosterjet SZ-T SUV 5dr Petrol Manual Euro 6 (s/s) (111 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE 1 HOUR DECISION LOW RATES
43,557 milesPetrolWHITE
£10,000
From ~£222/mo
Apply for Finance →
NISSAN QASHQAI 1.5 dCi N-Connecta SUV 5dr Diesel Manual Euro 6 (s/s) (110 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE LOW RATE FINACE AVAILABLE INSTANT ANSWER
NISSAN QASHQAI 1.5 dCi N-Connecta SUV 5dr Diesel Manual Euro 6 (s/s) (110 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE LOW RATE FINACE AVAILABLE INSTANT ANSWER
42,439 milesDieselBLUE
£11,000
From ~£245/mo
Apply for Finance →
VOLKSWAGEN T-ROC 1.0 TSI GPF S SUV 5dr Petrol Manual Euro 6 (s/s) (115 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES INSTANT DECISION
VOLKSWAGEN T-ROC 1.0 TSI GPF S SUV 5dr Petrol Manual Euro 6 (s/s) (115 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES INSTANT DECISION
80,714 milesPetrolGREY
£10,000
From ~£222/mo
Apply for Finance →
AUDI A3 1.6 TDI Sport Saloon 4dr Diesel Manual Euro 6 (s/s) (110 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES 1 HOUR DECISION
AUDI A3 1.6 TDI Sport Saloon 4dr Diesel Manual Euro 6 (s/s) (110 ps) ***DRIVE AWAY TODAY*** NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE FINANCE AVAILABLE LOW RATES 1 HOUR DECISION
52,238 milesDieselRED
£10,000
From ~£222/mo
Apply for Finance →
View All Available Cars →

How it works for St Helens drivers

Simple, straight-talking and designed to work for people with adverse credit. Most customers complete everything online from home.

1

Free soft search eligibility check

No impact on your credit score. Takes around 2 minutes. You can do this from anywhere in St Helens.

2

Matched to specialist lenders

We review your profile and match you with bad credit lenders from our UK panel — ones that deal with CCJs, IVAs and missed payments every day.

3

Upload your documents

Photo ID, proof of address and income evidence. A simple photo or scan is fine.

4

Receive your decision

Often the same day, with clear monthly payment figures explained honestly. No jargon, no pressure.

5

Choose your car & get on the road

Browse our available stock, sign your agreement and collect from our Kirkham base or request delivery to St Helens.

We cover all of these areas too

Abergele Accrington Adlington Altrincham Appleby-in-Westmorland Ashton-in-Makerfield Ashton-under-Lyne Atherton Bacup Bamber Bridge Barnsley Barrow-in-Furness Barrowford Biddulph Birkenhead Blackburn Blackpool Bolton Bootle Boroughbridge Bradford Brighouse Broughton Burnley Burscough Bury Buxton Carlisle Carnforth Castleford Chapel-en-le-Frith Chatburn Chester Chesterfield Chorley Cleveleys Clitheroe Colne Colwyn Bay Congleton Coppull Crewe Crosby Croston Culcheth Dalton-in-Furness Darwen Darwen Derby Dewsbury Doncaster Eccles Eccleston Elland Ellesmere Port Elswick Euxton Failsworth Farnworth Fleetwood Formby Freckleton Frodsham Fulwood Garforth Garstang Glossop Golborne Goosnargh Grange-over-Sands Great Harwood Grimsargh Halifax Harrogate Haslingden Hesketh Bank Heywood Hindley Holmfirth Holywell Horwich Huddersfield Huyton Hyde Ince-in-Makerfield Irlam Keighley Kendal Kidsgrove Kirkby Kirkby Lonsdale Kirkham Knaresborough Knutsford Lancaster Leeds Leek Leigh Leyland Little Lever Littleborough Liverpool Llandudno Longridge Longton Lymm Lytham Lytham St Annes Macclesfield Maghull Maltby Manchester Matlock Mexborough Middlesbrough Middleton Middlewich Mold Morecambe Morley Nelson New Mills Newcastle-under-Lyme Newton-le-Willows Normanton Northwich Oldham Ormskirk Ossett Oswaldtwistle Padiham Parbold Penistone Penrith Penwortham Platt Bridge Pontefract Poulton-le-Fylde Prescot Prestatyn Preston Radcliffe Ramsbottom Rawtenstall Rhyl Ripon Rishton Rochdale Rotherham Royton Rufford Runcorn Sabden Sale Salford Selby Settle Sheffield Shipley Skelmersdale Skipton Southport Sowerby Bridge Standish Stockport Stoke-on-Trent Stone Stretford Swinton Tadcaster Tarleton Thirsk Tottington Trafford Treales Tyldesley Ulverston Urmston Wakefield Wallasey Walmer Bridge Warrington Wesham Westhoughton Wetherby Whaley Bridge Whalley Whitefield Widnes Wigan Wilmslow Windermere Winsford Wirral Wombwell Worsley Wrea Green Wrexham York

Ready to check if you qualify in St Helens?

Our free soft search eligibility check takes just minutes and leaves absolutely no footprint on your credit file. Bad credit, CCJs, IVAs, missed payments — we've seen it all.

Check My Eligibility Free — No Footprint →

View All Available Cars

Soft search only. No hard search. No obligation.

Representative example: Cash price £7,000, deposit £500; amount of credit £6,500; fixed rate 10.3% p.a.; term 48 months; total payable £8,340.12; monthly £173.75; Representative APR 19.9% (subject to status). We are a credit broker, not a lender.