Bad credit car finance near Preston
Last reviewed 10/11/2026 by North West Car Group
In short: North West Car Group in Kirkham, about 9 miles from Preston, is a credit broker working with a panel of lenders, and you are welcome to apply for finance whatever your credit history. Finance is available on cars over £3,000, subject to status: each application is assessed individually by the lender, and approval cannot be promised.
If you have had credit problems in the past, buying a car on finance can feel daunting. Here is how it works with us, plainly and without promises we cannot keep.
We are a credit broker, not a lender
When you apply through us, we pass your application to lenders on our panel. The lender makes the decision, sets the rate and becomes the company you pay. Different lenders look at applications differently, which is why going through a broker can help if your history is not perfect.
What lenders usually look at
- Your credit history, including any missed payments, defaults or CCJs
- Your income and regular outgoings, to check the payments are affordable
- How long you have lived at your address and been in work
- The car itself, including its age and price
You must be over 18 and a UK resident. A lender may carry out a full credit search before making a final decision.
Which cars can I buy on finance?
Finance is available on cars priced over £3,000, subject to status. Cars at £3,000 and under are offered through our Trade Sale Programme and are not available on finance.
Getting to us from Preston
Our only showroom is on Blackpool Road in Kirkham, PR4 2RE, about 9 miles from Preston via the A583 or the M55 (junction 3). See our Preston page for the route.
Next steps
Read how applying works and our representative example on the finance page, or call 01772 971422 to talk it through first.
Questions and answers
Can I get car finance with bad credit near Preston?
You are welcome to apply. North West Car Group in Kirkham, about 9 miles from Preston, is a credit broker working with a panel of lenders. Each application is assessed individually by the lender, finance is subject to status, and approval cannot be promised.
Are you a lender?
No. We are a credit broker, not a lender. The lender makes the decision and sets the rate.
Which cars can I get on finance?
Cars priced over £3,000, subject to status. Cars at £3,000 and under are not available on finance.
Will applying affect my credit score?
Ask us before you apply and we will explain the type of search involved at each stage. A lender may carry out a full credit search before making a final decision.