CCJ Car Finance

Self-employed man behind the wheel of a car, driving down a road.

If you have had a CCJ, IVA or default in the past, you may find it tricky to be approved for car finance. However, at Quick Car Finance we work with the full market of car finance providers who could provide you with a car finance agreement, despite your credit history, including CCJs and defaults.

Our lenders are more interested in your future, rather than your past. If you have a stable and regular income and can afford monthly repayments, we will try and help find car finance options for drivers with CCJs and defaults so you can get on the road in no time.

Want to get a CCJ car finance quote today? Go ahead and use the budget calculator provided, or get a free and no-obligation quote using the button below.

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*representative APR of 19.8%

CCJ car finance calculator

Rates from 7.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative APR 19.8%.

Representative example: borrowing £7,500 over 5 years with a representative APR of 20.25%, an annual interest rate of 20.25% (Fixed) and a deposit of £0.00, the amount payable would be £192.84 per month, with a total cost of credit of £4070.40 and a total amount payable of £11,570.40.

We will always provide the best rate from our panel of lenders and based on your individual circumstances. We do not charge any fees for our service. But we earn a commission from the lenders we work with. This does not affect the interest rate you will be offered.

What are CCJs and Defaults and Why Do They Affect My Car Finance Approval?

A CCJ refers to a ‘County Court Judgement’, whereby a creditor has taken you to court over unpaid fees. This may be for outstanding bills, loans or credit that was not fully paid off, despite multiple attempts to recover their payments.

To acknowledge the court judgement, you will have a CCJ put on your credit file for a period of 6 years and this will be noted as ‘satisfied’ once paid, or remain ‘unsatisfied’ if the bill is still outstanding.

A default is similar to a CCJ. If you have missed a payment on a car loan, the lender usually sees your account as ‘delinquent’. If you still have not made the missing payment, then your lender can consider your loan default, meaning that they’ll more actively look to collect your missing payment.

This note is relevant for future creditors to show that you have failed to make an ongoing payment and they will be wary of this when you apply for other loans and financial products.

Can I Get Car Finance with a CCJ?

Yes, there are a number of car finance lenders who are willing to take a view on people with CCJs and defaults.

As a rule of thumb, the longer ago the CCJ was enforced, the less likely that lenders will take it into account as this shows you’ve been unable to pay back the owed amount for a longer period of time.

If you have satisfied your CCJ within 1 month of its issuing, this will be removed from your account. If you have satisfied it after this, you can contact the court to have the information on your credit file changed - and this will usually cost just £15.

Moving forward, if you have a regular and stable income and have also recently paid off other bills and debts, the lender can see that your credit is improving and therefore you may be able to access the car finance you need (even with a CCJ or default).

What Car Finance Options Are Available for People with CCJs?

We have a number of finance options for people with CCJs and defaults including:

Personal Contract Purchase (PCP) – Make a deposit, fixed monthly payments and the option to make a balloon payment and own the vehicle outright.

Hire Purchase (HP) Make a deposit, pay a higher monthly rate and eventually own the vehicle outright.

Car Leasing – Make a deposit and pay monthly with no option to own the vehicle outright.

Personal Car Loans Borrow an unsecured loan and transfer this to the dealer.


Here are a few other points we feel are important to mention when discussing car finance with CCJs and defaults:

  • If you have had a CCJ, you will need to demonstrate a regular income and that you can afford to make monthly repayments.
  • In the case of people with CCJs, you may be charged a slightly higher monthly rate for your car finance, to reflect the potential risk to the lender.
  • In addition, you may need to pay a slightly higher deposit than usual, as a way of showing your commitment to purchasing the vehicle.
  • If you are part-exchanging a vehicle and it is in good condition, you could trade this in and it can off-set some of the deposit or the monthly repayments.

How Can Quick Car Finance Help Drivers with CCJs and Defaults?

Quick Car Finance has experience working with people of all backgrounds and circumstances, including CCJs and defaults, and with over 48 different tiers of finance available, we will try and place you with one of our lenders.

Our lenders could be willing to take a view on bad credit, self-employed and all kinds of credit histories – and our application is free to complete and can provide you with a list of quotes in real-time.

Upon approval of your CCJ car finance, we can recommend a number of reputable car dealers and transfer money to them directly. We carry out a full car inspection to make sure it is roadworthy and, if successful, you can purchase your new car from start to finish in just 24 to 48 hours.

Apply for your CCJ car finance today!

The online application for used car finance takes a few minutes, and we won’t ask for any unnecessary information. Once you complete your application, our friendly customer service team will be in contact with you to discuss the next steps.

Interested in our CCJ car finance options?

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*representative APR of 19.8%