Used Car Finance

There are no traffic jams along the extra mile

Good or Bad Credit?

W18 Cars fully appreciate that it can be difficult to get credit nowadays for many people due to past financial difficulties. Whatever your circumstances, we are confident that we can still find a deal for you, and we specialise in helping customers whatever their situation. Whilst a bad credit score will understandably limit credit options, which can be very stressful, it does not necessarily prevent you from acquiring the vehicle you desire.

At W18 Cars we strive to help customers whatever their credit rating – good or bad. We feel strongly that those with a poor credit score or those that are self-employed should not be at a disadvantage when seeking finance. What’s more, we don’t accept that credit for such people should come with higher costs. Whatever the history of a customer, there are more finance deals available than ever before, and it is our aim to find the right deal for you, that suits your situation and that you can budget for and thus make regular repayments on.

It is also our belief that your past should not prevent you from getting the vehicle you desire, nor do we think you should pay over the odds. After all, a bad credit history is not always the customer’s fault. For us, the important thing is the ability to pay the monthly repayments and finding our customers a deal that suits their individual budget.

As part of the application process it will be necessary to carry out certain checks so that we are confident that you can afford the payments and that it is the right deal for you. The information you provide on the application will help us do that and help the lenders match a package for you. It is important to note that you are under no obligation to sign for any deal, and we urge you to check the terms and conditions thoroughly so that you are happy with the package. If happy, you could receive a quick decision.

Used Car Finance | W18 Cars, located in Colne, Lancashire


Bad credit, CCJ’s, Discharged Bankrupts
No Obligation Quote
All Circumstances Considered
Deposits from 0%
We Can Find You Your Desired Car



Tel: 01282 862214


Fill in the online application form on the chosen vehicle details page, or if you prefer the human touch, you can call one of our experienced advisors to run you through the process.


Once the application has been completed, our staff will process it immediately so that you can receive a decision as soon as possible.


Should your application be approved, the next step is to be contacted by one of our trained members of staff who will tell you the details of your loan and the amount available to lend.

Your Car

Choose from one of our many vehicles on site or one of our trained staff can help source your desired car. When all details have been agreed, collect your car and drive away.

Why Finance Through a Dealership

What is Hire Purchase?

What is Personal Contract Purchase

We make it Simple

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Tailor Made Financing

We understand that every customer is in a different situation so we take our time to provide the service you deserve. CCJ’s, council tax arrears, mortgage arrears, a member of our armed forces, self-employed or just moved over from abroad? Apply for car finance today and we’ll put you back in the driving seat.

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Ultra Responsive

Once we have received your details a member of our friendly sales staff will call you and ask a few simple questions to finalise your application. A decision will be made in less than an hour and we will invite you to our used car showroom in Lancashire, where you can choose your new car.

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Quality Used Cars

Once you have been approved for car credit you can choose from 100’s of cars, available right now. Our used cars usually have one previous owner, all are serviced with a current MOT and have been quality checked by our skilled technicians for your peace of mind.


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