Car finance with a CCJ

We are CCJ car finance specialists who understand poor credit and offer realistic options based on what you can afford. At Carplus, we help you access car finance with a CCJ by focusing on your current income, job type, and ability to repay.

We don’t judge your history. We assess your position today and match you with lenders who will consider your application. Every car finance credit application is reviewed on its own merits. We look beyond the score and find terms that fit your needs.

What is a CCJ?

A CCJ stands for County Court Judgment, a legal order issued in England, Wales, or Northern Ireland when you fail to repay money you owe. It confirms the creditor has taken legal action to recover unpaid debt and you didn’t respond or settle it in time.

You’ll get a letter 14 days before a CCJ is issued, giving you a chance to clear the debt and stop the judgment. If you pay the full amount within 30 days after the CCJ is issued, it won’t appear on your credit report for 6 years.

If you don’t repay it in time, the CCJ will remain on your file and can lower your credit score significantly.

Can I get car finance with a CCJ?

Sure you can, because getting car finance with a CCJ is possible, and Carplus is here to help make it happen.

A CCJ means the court confirmed you missed a repayment, but that doesn’t automatically block you from getting approved. We understand how frustrating it feels when you’re put off by bad credit, but lenders we work with don’t judge you for past issues. Our job is to match you with a finance provider who looks at your full picture, not just the CCJ on your file.

If you’ve got an active CCJ, we’ll still try to help you secure a car by checking what you can afford today. We start by asking how much you need and how long you’d like to repay, then guide you through the process step by step. We’ll run a soft search first, so it won’t lower your credit score or leave a mark on your report. This helps us check your credit, review your income, and pick a lender who’s most likely to approve you. We avoid unnecessary rejections because repeated declines can damage your record and make it harder next time.

Once we’ve reviewed everything, we send your application to the lender who fits your needs best, usually within 24 hours. From start to finish, we’re here to support you and help you access the car finance solution that works for your situation.

Can I get car finance with a satisfied CCJ?

Of course, lenders may approve your application, and at Carplus, we specialise in helping people with a satisfied CCJ get car finance. A satisfied CCJ means you've repaid the debt, that matters to lenders.

If you paid within one month, you can apply to get the County Court Judgment removed from your credit file. If not, the CCJ stays on your credit report for six years, but being marked satisfied helps. Lenders see it and know you cleared the debt, which improves trust.

We check your income, stability, and affordability, not just the CCJ on your file. You tell us how much you want to borrow and how long you need to repay. We run a soft credit check that won’t affect your score, this helps us match you with the right lender. We only send your application when we know you’ve got a strong chance.

To help your case:

• Keep paying your current credit on time
• Avoid new loans
• Consider a bigger deposit
• Add a guarantor if possible

Our panel includes car finance specialists who approve applications others reject. You get tailored options based on your budget, not just your past.

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

Yes, we do too help people with a poor credit score and a CCJ secure car finance every day. A CCJ may limit your options, but it doesn’t block them. You need the right lender, not perfect credit.

Mainstream lenders often reject based on score alone, but that doesn’t reflect your full financial picture. We focus on what you can afford now, not just what your credit file says. We assess income, stability, and recent payments to see if you're able to repay your finance over time.

Bad credit or a CCJ doesn’t stop you from applying, it just means you need a more tailored approach. We guide you through that process, working to find the best CCJ car finance solution that fits your situation. Some lenders may still offer flexible terms if your car finance credit history shows positive signs, such as consistent income or a satisfied CCJ.

We will help you get car finance with CCJs and defaults

You can still get car finance with CCJs and defaults, because Carplus is here to help you make that happen. A county court judgment (CCJ) and default can make lenders cautious, but it doesn’t mean they’ll reject your application outright. Specialist lenders assess more than your credit report, they review your income, stability, and recent payment behaviour. They check how long ago the issue happened, the amount owed, and whether you've cleared the balance.

A CCJ or default may lead to a higher rate, but it won’t stop you from finding the car finance solution that suits your situation. We work with lenders who provide car finance for people with poor credit, missed payments, or multiple marks on their file. They focus on your current financial position, not just past mistakes — and so do we. Tell us what you need, and we’ll handle the rest — from soft credit checks to selecting the right lender. Our panel covers car finance specialists with options tailored to defaults, CCJs, and financial issue car cases. We keep the application process simple, clear, and risk-free — with no obligation to commit.

If you're self-employed or have irregular income, we can still help match you with affordable car finance. We’ve helped thousands secure finance after defaults — now it's your turn.

Will a CCJ stop me from getting car finance?

A CCJ may limit your options, but it doesn’t block you from getting approved for car finance.

Lenders assess risk differently. Some may reject you for a CCJ on your credit file, while others focus on your income and affordability. At Carplus, we work with car finance specialists who regularly accept applicants with credit issues or court records.

You may be turned down without explanation. Often, it’s not just the CCJ — it could be an address mismatch, missing details, or inconsistent income. Before you submit an application for car finance, double-check your documents and make sure everything lines up. If a lender rejects your application, we can help review it and flag anything that may cause concern.

We work as a car finance broker, helping you find a lender that matches your financial profile and improves your chances of getting the deal.

Will CCJ car finance impact my credit score?

Taking out car finance with a CCJ can help improve your credit, if managed correctly. A CCJ may impact your credit score, but lenders also look at how you handle new credit. We run a soft credit check to review your file, If you're approved and make all repayments on time, your score can recover faster. Each on-time payment adds positive history to your credit reference file, showing lenders you can borrow responsibly.

The CCJ stays on your credit file for 6 years, but new activity helps reduce its impact on your credit. This is especially helpful if you're rebuilding after bad credit and a CCJ or managing a debt solution. You can use our calculator to check monthly costs before starting your car finance application.

Ways to improve your credit file after a CCJ

A CCJ may make it harder to access credit, but you can take clear steps to repair your file and raise your score. Lenders check your record when you apply for car finance, so a strong report helps you get approved for finance.

These actions will improve your credit rating and reduce the impact on your credit score:

1. Register at your current address with the electoral roll to confirm identity and stability.
2. Pay all bills and credit agreements on time to show lenders you’ve regained control.
3. Link rent payments to your file or allow access to open banking data showing income and spending.
4. Check your credit report through a credit reference agency and fix any errors.
5. Limit credit applications — space them out by at least three months to avoid red flags.
6. Use less than 30% of your credit limit to keep your utilisation low.
7. Borrow within your means — staying on budget improves your file and protects future car finance agreements.

Each step strengthens your profile, helping you move closer to securing the deal, even with a CCJ on your credit file.

How to avoid a CCJ?

You can avoid a CCJ by acting early, communicating clearly, and staying in control of your debts. Start by speaking with the creditor and agreeing a repayment plan before court action begins. You may agree to a plan to pay in instalments or reduce the amount owed. This helps avoid court and protects your credit rating.

A debt adviser can support negotiations, help you reply properly, and guide you through any financial issue. Once you receive a letter of claim, you have 30 days to respond, this is your chance to avoid legal action. If you dispute the claim, explain what you agree with, what you contest, and how you plan to settle it.

You must be clear, cooperative, and realistic, not confrontational. This shows you’re taking the situation seriously. Many creditors will pause action or freeze interest if you propose fair terms and stick to them.

These steps can reduce the impact on your credit and protect future access to car finance agreements:

• Engage early and speak with the creditor before court involvement
• Seek advice and get help from a debt adviser or charity
• Reply to the letter of claim within 30 days
• Offer a realistic payment plan based on your income
• Dispute the debt clearly if you believe it’s incorrect
• Avoid multiple credit applications in a short time
• Keep records of all offers, payments, and communication

By avoiding a CCJ, you improve your chances and reduce delays in securing car credit in future.

Why choose Carplus for car finance with a CCJ?

Car finance can feel complicated, but Carplus makes the process simpler and more transparent.

• At Carplus, we know how to help you get a loan on the best terms possible
• We deal with cases and credit issues that seem barely solvable.
• Find help with various types of car financing for different locations and vehicles.
• Get an accurate quote that does not put you under any obligations.
• Get a free consultation on any day of the week.

When financial issues pile on, it can be hard to finally take action. At Carplus, we try to eliminate the stress of sorting through dozens of lenders and trying to find the best CCJ deals. With this burden lifted off your shoulders, you won’t lose sight of your credit and get a car that you deserve and can afford.