Used Cars in Formby — Bad Credit Guaranteed Car Finance

Looking for used cars in Formby with simple monthly payments? We offer Bad Credit Guaranteed Car Finance, zero-deposit options, and same-day drive-away on many cars. Subject to status and affordability checks. Guarantor/Deposit may be required.

Choose from city-friendly hatchbacks, family SUVs and estates, economical hybrids/EVs, plus premium marques like BMW, Audi, Mercedes-Benz, Land Rover, Jaguar, Porsche, Tesla. Mainstream value from Ford, Vauxhall, VW, Nissan, Toyota, Kia, Hyundai, Peugeot, Renault, Skoda, SEAT — all HPI clear with a 12-month warranty.

Browse by car type

Hatchback SUV / 4x4 Estate Saloon Coupe Convertible MPV / People Carrier Electric & Hybrid Automatic Manual Petrol Diesel

Popular brands near Formby

BMW Audi Mercedes-Benz Land Rover Jaguar Porsche Tesla Lexus Volvo Alfa Romeo Ford Vauxhall Volkswagen Nissan Toyota Kia Hyundai Peugeot Renault Skoda SEAT Dacia

AA Dealer 12-Month Warranty HP & PCP Finance Part-Exchange Same-Day Collection

Featured stock

VAUXHALL MOKKA X 1.4i Turbo ecoTEC Elite Nav SUV 5dr Petrol Manual Euro 6 (s/s) (140 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Got Rejections? We Finance Your Future! Flexible Options for All Credit Scores.

FIAT 500X 1.0 FireFly Turbo MultiAir Cross Plus SUV 5dr Petrol Manual Euro 6 (s/s) (120 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Got Rejections? You're Not Alone! Low Rates, No Judgement.

MINI HATCH 2.0 Cooper S Hatchback 3dr Petrol Manual Euro 6 (s/s) (192 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Rough Past, Smooth Ride – Used Car Finance Made Simple.

HYUNDAI I20 1.0 T-GDi Premium Nav Hatchback 5dr Petrol Manual Euro 6 (100 ps) DRIVE AWAY TODAY NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Your Credit's a Mess? You're Approved! Bad Credit Finance Made Easy.

MINI COUNTRYMAN 1.5 Cooper SUV 5dr Petrol Manual ALL4 Euro 6 (s/s) (136 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Judgement-Free Car Finance – You’re More Than a Number.

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

Click for Bad Credit Guaranteed Car Finance & Poor Credit History? Your Keys Are Waiting! Apply Today.

MERCEDES-BENZ A-CLASS 1.5 A180d Sport (Premium) Hatchback 5dr Diesel 7G-DCT Euro 6 (s/s) (109 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & From ‘No’ to ‘Go!’ Bad Credit Finance that Says YES.

HYUNDAI SANTA FE 2.2 CRDi Blue Drive Premium SUV 5dr Diesel Manual 4WD Euro 6 (s/s) (7 Seat) (200 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED + 12 MONTHS AA BREAKDOWN FREE

Click for Bad Credit Guaranteed Car Finance & Your Credit's a Mess? You're Approved! Bad Credit Finance Made Easy.

VOLKSWAGEN TIGUAN 2.0 TDI BlueMotion Tech R-Line Edition SUV 5dr Diesel Manual 4WD Euro 6 (s/s) (150 ps) NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED

Click for Bad Credit Guaranteed Car Finance & Poor Credit History? Your Keys Are Waiting! Apply Today.

LAND ROVER RANGE ROVER EVOQUE 2.2 SD4 Dynamic SUV 5dr Diesel Manual 4WD Euro 5 (s/s) (190 ps) 3 YEAR NATIONWIDE PARTS & LABOUR WARRANTY INCLUDED

Click for Bad Credit Guaranteed Car Finance & Declined Elsewhere? Drive Today! Everyone Gets a Chance.

Used cars and finance – dealership exterior – Formby

Approved Used Cars — HPI Clear, PX Welcome, Finance Options

All retail cars are HPI clear and include a 12-month warranty. We offer part-exchange (we can settle existing finance), zero-deposit where possible, and same-day drive-away on many vehicles. Premium stock from BMW, Audi, Mercedes-Benz, Land Rover and Jaguar, plus great value from Ford, Vauxhall, Volkswagen, Nissan, Toyota and more.

Apply online in minutes or call 01772 971422. We serve Formby.

Featured Vehicle Videos

Welcome to Kirkham Part Exchange Centre

2017 Nissan X-TRAIL 1.6 dCi N-Vision SUV 5dr Diesel Manual 4WD Euro 6 (s/s) (130 ps)

2017 Nissan QASHQAI 1.6 dCi Tekna SUV 5dr Diesel XTRON 2WD Euro 6 (s/s) (130 ps) *DRIVE AWAY TODAY*

2015 PEUGEOT 108 1.0 Active Hatchback 3dr Petrol Manual Euro 6 (68 ps)

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Bad Credit Finance — FAQs

Can I get car finance with bad credit in Formby?

Yes — we specialise in Bad Credit Guaranteed Car Finance for drivers in Formby. We work with a panel of lenders that accept a wide range of credit histories. Subject to status and affordability checks. Guarantor/Deposit may be required.

Do you offer HP and PCP?

Yes — both Hire Purchase (HP) and Personal Contract Purchase (PCP). HP suits straightforward ownership; PCP keeps monthly payments lower.

Can I get zero-deposit car finance?

Often, yes — subject to status. A deposit can reduce monthly payments but isn’t always required.

Are your cars HPI clear?

Yes — retail cars are HPI clear. We can show the report on request.

Do you take part-exchange?

Yes — we can settle outstanding finance and use equity towards your deposit.

How quickly can I collect?

Same day or next working day once documents are signed and funds are released.