Can I get car finance with bad credit?

Yes — we work with lenders who consider a range of credit profiles, including CCJs and past defaults. A soft-check can be used initially so it won't impact your score.

Will applying affect my credit score?

Initial eligibility checks can be done as a soft search. If you proceed to a full application, some lenders may perform a hard search — we’ll confirm before that happens.

How quickly can I get a decision?

Often the same day once we have your details. Proof of ID, address and income helps speed things up.

What deposit do I need?

Deals may be available from £0 deposit depending on status and vehicle. A larger deposit can lower monthly payments.

Do you finance any used cars?

Yes — we can arrange finance on cars from our stock and can often help with vehicles sourced elsewhere, subject to lender criteria.

Car Finance in Kirkham & Preston — Good or Bad Credit Welcome

Apply in minutes. Soft-check friendly lenders, fast decisions, and used-car finance tailored to you.

✅ Soft check available £0 deposit options Bad credit considered Used car specialists

Apply for Vehicle Finance

Pop your details in below. We’ll match you to a lender. No pressure, no faff.

Full Name

Email Address

Mobile Number

e.g. 07xxx xxxxxx

Employment Status

Current Address

Monthly Income (GBP)

Deposit (GBP)

Vehicle Make, Model & Colour

Paste Link to Car (optional)

Additional Notes

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By submitting, you confirm details are accurate to the best of your knowledge.

Used Car Finance — Fast, Friendly & Flexible

We help drivers across Kirkham, Preston, Blackpool, Fylde & the North West get on the road with affordable used-car finance. Whether you’ve got excellent credit or you’re rebuilding after missed payments, we’ll try to help.

• Bad-credit car finance considered

• Soft search eligibility checks

• £0 deposit options

• Quick decisions

• PCP & HP available

• Part-exchange welcome

Representative Example*

Borrowing £7,000 over 48 months with a representative 10.9% APR, fixed rate 10.9% p.a., deposit £0, monthly £179.90, total amount payable £8,635.20. Subject to status. Terms & conditions apply. *Example only — your rate may differ.

FAQs

Bad credit car finance? Yes — we work with lenders who consider a range of histories including CCJs and past defaults.

Will you do a hard search? We can start with a soft check; we’ll always tell you before any hard search.

Documents needed? Photo ID, proof of address, and recent payslips or bank statements.

Regulatory info: Kirkham Part Exchange Centre acts as an Introducer (Appointed) Representative. We may introduce you to a limited number of finance providers and may receive a commission. You will not be charged a fee by us for this introduction. Finance is subject to status, 18+, UK residents only.