Kirkham PX Centre • FCA-aware info

Bad Credit Car Finance — Soft Eligibility Check

Soft eligibility check — no impact on your credit score. Fast decisions and flexible deposits.

Soft check
No footprint
Decision
Same day
Deposit
£0–£500+
APR
19.9% rep.
Check eligibility How it works

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).

60-second Eligibility Check

Soft check — won’t affect your credit score.












By continuing you consent to a soft credit search (visible to you, not to lenders).

We can help if you have…

CCJs / Defaults Thin credit file Past missed payments
Self-employed Zero-hour / variable income New to credit
Low deposit No guarantor Benefits considered

How it works

  1. Soft eligibility check (60s).
  2. We match to suitable lenders.
  3. Provide docs; get a decision.
  4. Choose your car & drive away.

Flexible deposits

From £0–£500+ depending on profile and vehicle price.

Fast decisions

Same-day in most cases. We keep you updated by SMS/email.

FAQs

Will this affect my credit score?
No — our initial check is a soft search.
Can I get finance with CCJs or defaults?
Often yes, case-by-case. The soft check will confirm eligibility options.
Do I need a guarantor?
Usually not. Some lenders may request one depending on circumstances.
What documents will I need?
Photo ID, proof of address, and income evidence (payslips or bank statements).