Can I get car finance with a CCJ?

Yes, it is possible to get car finance with a CCJ (County Court Judgment), but it may be more challenging than if you have a clean credit history. Some specialized lenders and finance companies are willing to work with individuals who have a CCJ on their credit record. However, it's important to note that having a CCJ may limit your options and result in higher interest rates. Additionally, the more recent the CCJ, the more it may impact your eligibility for car finance. It's advisable to seek out lenders who are open to working with individuals with CCJs and to be prepared for the possibility of less favorable loan terms.

Can I get car finance with a CCJ and bad credit?

Yes, it is possible to get car finance with both a CCJ and bad credit. There are lenders who specialize in providing financing options to individuals with adverse credit histories, including those with CCJs. However, it's important to be aware that having both a CCJ and bad credit may lead to higher interest rates and more stringent loan terms. It's recommended to shop around, compare offers from different lenders, and consider seeking the advice of a specialist lender or financial advisor who can guide you towards the most suitable car finance options for your specific circumstances.

Does a CCJ show on a credit check?

Yes, a CCJ does appear on your credit report and can be viewed by lenders when they conduct a credit check as part of their assessment for car finance or any other form of credit. A CCJ is a public record of a judgment made against you in a county court, and it will be listed on your credit report for a period of six years from the date of issue, even if it has been fully paid. Lenders use this information to assess your creditworthiness and to determine the level of risk associated with lending to you.

County court judgment (CCJ) car finance

Name: CCJ car finance
Brand: Quick Car Finance
SKU: 4-BC-CF-2023
Rating: 5 (3306 reviews)

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Rates from 9.9% APR.
Representative APR of 21.9% APR

APR Example

Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0.00, the monthly would be £178.52, with a total cost of credit of £3711.20 and a total amount payable of £10,711.20. Rates may differ as they are dependent on individual circumstances'. Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Quick Car Finance are a broker not a lender.

To be eligible for car finance with a CCJ you will need

Monthly earnings of £1000
Aged between 21 to 70
Hold a valid UK driving licence
Latest payslip/bank statements

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What is a CCJ?

Pay a CCJ in 30 days

Getting car finance with a CCJ

The vehicle you choose will need to

Be priced between £4,000 to £15,000
Have less than 120,000 miles on the clock
Be less than 15 years at the end of the agreement

Take it directly from the people who know!

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You should know

If you have had a CCJ, you will need to demostrate a regular income and that you can afford to make consistant monthly payments. You may be charged a slightly higher monthly rate for your car finance, to reflect the potential risk to lender.

You may need to pay a slightly higher deposit than usual, to show your commitment to purchasing the vehicle. If your are part-exchanging a vehicle and it is in good condition, you can trade this in and it can set-off some of deposit or the monthly repayments.

Quick Car Finance can help

It's not the end of the road!

Use our Car Finance Calculator to get an idea of what your agreement might look like, based on how much you are looking to borrow over a time period that suits you. By using our Car Finance Calculator, you'll be able to see what your monthly payments might look like so you can see how it might fit into your personal budget.

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Getting car finance with a CCJ

Car Finance with a CCJ FAQs

Can I get car finance with a CCJ?: Yes, it is possible to get car finance with a CCJ (County Court Judgment), but it may be more challenging than if you have a clean credit history. Some specialized lenders and finance companies are willing to work with individuals who have a CCJ on their credit record. However, it's important to note that having a CCJ may limit your options and result in higher interest rates. Additionally, the more recent the CCJ, the more it may impact your eligibility for car finance. It's advisable to seek out lenders who are open to working with individuals with CCJs and to be prepared for the possibility of less favorable loan terms.
Can I get car finance with a CCJ and bad credit?: Yes, it is possible to get car finance with both a CCJ and bad credit. There are lenders who specialize in providing financing options to individuals with adverse credit histories, including those with CCJs. However, it's important to be aware that having both a CCJ and bad credit may lead to higher interest rates and more stringent loan terms. It's recommended to shop around, compare offers from different lenders, and consider seeking the advice of a specialist lender or financial advisor who can guide you towards the most suitable car finance options for your specific circumstances.
Does a CCJ show on a credit check?: Yes, a CCJ does appear on your credit report and can be viewed by lenders when they conduct a credit check as part of their assessment for car finance or any other form of credit. A CCJ is a public record of a judgment made against you in a county court, and it will be listed on your credit report for a period of six years from the date of issue, even if it has been fully paid. Lenders use this information to assess your creditworthiness and to determine the level of risk associated with lending to you.