A real dealership · Blackpool Road, Kirkham
CCJs, IVAs, defaults and missed payments may be considered. Sending an enquiry runs no credit check: we call you first, run a soft search only if you want us to, then talk you through real cars and honest figures. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
Representative 19.9% APR (fixed). Nobody can guarantee car finance and we will never claim to. If we cannot help, we will tell you why.
2015 · 53,384 miles · Petrol · Manual · Red
*Illustrative: £500 deposit over 48 months at the representative APR. Your figures depend on your circumstances and the lender's decision.
No pressure at any point, and you are free to stop whenever you like. A hard credit search only ever happens at full application, and we will tell you before it does.
A short form, about two minutes. Sending it does not run any credit check by itself and puts you under no obligation.
No credit check at this stageA person reads your enquiry and phones you. Only once you have agreed do we run a soft-search eligibility check with lenders on our panel who consider adverse credit. A soft search leaves no footprint and other lenders cannot see it.
Invisible to other lendersReal figures on real cars from our Kirkham forecourt, or a straight explanation if we cannot help right now. You choose whether to go ahead.
Collect from Kirkham or ask about deliveryEvery car is supplied and prepared by North West Car Group in Kirkham. Check eligibility with a specific car attached, or start without one and we will match a car to what a lender is likely to approve.
*Estimated monthly figures are illustrative, based on the representative example in the footer. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
Each situation has its own page explaining what lenders actually look at and what helps. None of them rules you out on its own.
Satisfied or unsatisfied CCJs may be considered. Age, status and affordability all matter.
Read more →Current or completed IVAs may be considered. An active IVA usually needs your IP's permission.
Read more →The most common thing we see. Lenders weigh how old they are and what has happened since.
Read more →Late payments and arrears on your file do not automatically rule you out.
Read more →An active DMP is not an automatic no. Affordability after the plan payment is the question.
Read more →One lender's no is not every lender's no. Different lenders weigh the same file differently.
Read more →Sole trader, CIS or director. Variable and seasonal income is understood here.
Read more →Some lenders can consider certain benefits as part of your income, subject to affordability.
Read more →Most bad-credit car finance is arranged by a broker or lender who never sees the car. We are a family-run dealership with more than 30 years in the motor trade, and every enquiry is read by a person here in Kirkham.
You can view, sit in and drive the car before anything is signed. Cars are prepared here, not shipped in from a compound.
The person who checks your eligibility is the person who prepares the car and sorts the paperwork. Nothing gets passed around.
MT Retail UK Ltd t/a North West Car Group, FRN 954552. We are a credit broker, not a lender, and we say so plainly.
If a payment does not fit your budget we will say so. If we cannot help right now we will tell you why, and what might change it.
Our 3-Year Aftercare Package is included with qualifying vehicles. Honoured at the same forecourt you bought from.
Move the sliders to get a feel for the numbers before you apply. Everything here is illustrative; your actual rate and payment come from the lender after the eligibility check.
£250.96 / month (illustrative)
These figures are illustrative only and not an offer of finance. They use the representative APR; your rate and payment depend on your circumstances and the lender's decision. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
"Bad credit" is not a verdict on you. It means your credit file has entries a mainstream lender's automated scorecard does not like: a County Court Judgment, an IVA, defaults, missed payments, a debt management plan, or simply very little history. High-street lenders often decline those files automatically, without a person ever looking at them.
Specialist lenders take a different approach. They price for the extra risk, so the interest rate is usually higher than a prime deal, and they look more closely at what your file says now: how old the entries are, whether they are settled, and whether the monthly payment genuinely fits your budget. Our job as a credit broker is to understand your situation, match it to the lenders on our panel who consider it, and be straight with you about what is realistic.
A lender who has seen an adverse file will charge more to cover the risk. Three things bring the cost down: a deposit or part-exchange, a sensible car price, and a term that does not run longer than it needs to. We would rather sell you a car you keep than one that gets taken back, so we will always point you towards the agreement that survives a difficult month.
A soft search is a background check that only you can see on your file. It does not affect your score, however many times it is run, and other lenders cannot see it. A hard search is recorded on your file for around twelve months and is visible to other lenders. Sending our form runs no check at all; we call you, and only run a soft-search eligibility check with your agreement. A hard search only happens if you choose to make a full application, and we tell you before that point.
A person here reads your enquiry and calls you, usually the same working day. If you want to go further, we run the soft-search check with your agreement, look at which lenders fit, and come back with honest options: real cars from the forecourt, a realistic monthly figure, and what documents the lender will want. You decide whether to go ahead. There is no obligation at any stage.
Car finance is a commitment, usually for three to five years. Work out the payment you could still make in a bad month, then aim below it. Tell the lender before a payment is late rather than after: they can often help. Your vehicle may be repossessed if you do not keep up repayments on your finance agreement. Missed payments will affect your credit file and may make future credit harder to obtain.
More on the full FAQ page, or call 01772 971422 and ask a person.
No, and no responsible broker or lender can. Every application goes through affordability and status checks. What we can do is put your application to lenders who consider adverse credit and tell you honestly where you stand. If anyone promises you a guarantee, be careful.
No. Sending the form does not run a credit check. We call you first, and only run a soft-search eligibility check once you have agreed to it. A soft search is not visible to other lenders and does not affect your score. A hard search only happens if you go ahead with a full application, and we will tell you before that point.
Possibly, yes. None of them disqualifies you automatically. Lenders consider how old the entry is, whether it is satisfied, and what your affordability looks like now. An active IVA usually needs your insolvency practitioner's permission. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
Most customers with adverse credit are offered hire purchase (HP): fixed monthly payments, and the car is yours after the final payment. Some customers may be offered personal contract purchase (PCP), which has lower monthly payments and a larger optional final payment, subject to status and lender approval. We explain which options are open to you, and the exact figures, before you commit to anything.
Not always. Some lenders can consider £0-deposit agreements on some vehicles, subject to status. A part-exchange counts as a deposit, and even a few hundred pounds usually improves both approval chances and the total cost.
No. We are a credit broker, not a lender, authorised and regulated by the Financial Conduct Authority (FRN 954552). We introduce customers to a panel of lenders and may receive a commission from the lender for doing so, which does not affect what you pay.
Blackpool Road, Kirkham, Preston PR4 2RE, on the A583 near Junction 3 of the M55. Open Monday to Saturday 9am–6pm and Sunday 10am–4pm. You are welcome to walk in without an appointment.
Collection from Kirkham is always available. Delivery may be available depending on where you are; ask when you enquire and we will confirm what is possible.
Our only forecourt is on Blackpool Road in Kirkham, between Preston and Blackpool. Most customers collect from here; delivery may be available further afield. Each area page has real directions, public transport and local answers.
Tell us where you stand. It takes about two minutes, sending the form does not run a credit check by itself, and there is no obligation.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.
