Used cars coming through shortly
Our current featured stock could not be loaded right now. Please visit the full used cars page to see the latest vehicles available.
View All Used CarsBad Credit Car Finance in Kirkham, Preston & Blackpool
Looking for a used car but worried about bad credit, missed payments, defaults, a low credit score, CCJs, or even an IVA? At North West Car Group, we understand that life does not always leave your credit file looking like it has just left finishing school.
We help customers across Kirkham, Preston, Blackpool and the wider Lancashire area find quality used cars and explore finance options, including people who may have been refused elsewhere.
Finance subject to status and affordability. Terms and conditions apply.
Featured Used Cars
Here are 3 vehicles selected from our current stock and refreshed automatically throughout the day. View our full used car stock for everything currently available.
Bad Credit? We Understand
A poor credit file does not always mean you cannot get car finance. Many customers come to us after missed payments, defaults, County Court Judgments, debt management plans, previous refusals, or simply a low credit score.
We aim to keep things straightforward. Whether you are rebuilding your credit profile or just need someone to actually listen instead of firing your application into the sun, we are here to help you explore your options.
We regularly help customers from Preston, Blackpool, Kirkham, Lytham St Annes, Poulton-le-Fylde and surrounding areas.
Used Cars & Finance Options
Our stock includes a wide range of used cars to suit different budgets and lifestyles, from economical hatchbacks to practical family cars and SUVs.
If you need finance, you can apply online quickly and securely. We work with out-of-house lenders and all credit profiles are considered, with rates from 8.9% APR depending on lender, status and affordability.
Why apply with North West Car Group?
We know many customers searching for bad credit car finance have concerns about IVA arrangements, CCJs, defaults, arrears, previous missed payments, or being turned down elsewhere.
The good news is that every lender has different criteria. A no elsewhere does not always mean a no here. We can help you explore your options and find a vehicle that suits your budget and circumstances.
Local service, nationwide reach
Based in Kirkham and serving customers across Preston, Blackpool and Lancashire, we are proud to offer a personal service with straightforward advice and a strong range of used cars.
If you are further afield, nationwide delivery available — subject to T&Cs.
Bad Credit Car Finance FAQs
Can I get car finance with bad credit?
In many cases, yes. Applications are assessed individually, and outcomes depend on lender criteria, status and affordability.
Do you help if I have a CCJ, IVA or defaults?
We speak to many customers in exactly that position. While acceptance is never guaranteed, some lenders may still consider your application depending on your personal circumstances.
What if I have been refused elsewhere?
A previous decline does not automatically mean every application will be declined. Different lenders use different scorecards and different criteria.
Do you only serve Kirkham?
No. We regularly help customers from Preston, Blackpool, Lytham St Annes, Poulton-le-Fylde, and across Lancashire and the wider North West.