Can I get car finance with a CCJ?
Yes, you can. If you're looking for car finance with a CCJ, it's possible and Carplus specialises in helping people to secure it. Your past credit issues matter less than your ability to afford the repayments today.
A CCJ confirms you missed a repayment, but it doesn't automatically disqualify you from car finance. Mainstream lenders often reject applications based purely on credit scores. Don't feel put off by bad credit - the specialist lenders in our panel assess your full financial situation: your income, employment stability, and current affordability, not just the CCJ on your credit file.
We match you with finance providers who understand bad credit car finance. You start by telling us how much you need and your preferred repayment term. We run a soft search first to check your eligibility without affecting your credit score. We check your credit report during this process, verify your income, and select the lender most likely to approve your CCJ car finance application without leaving hard search marks that damage your record further.
Every application receives individual consideration.
Car finance calculator
These estimates are subject to credit checks and may change when you apply for finance. this is for example purposes only
Hire Purchase (HP)
APR 11.9%60 monthly payments of
£0
- Interest rate
- 11.9% APR
- Amount of interest
- £0
- Total payment
- £0
Personal Contract Purchase (PCP)
APR 11.9%60 monthly payments of
£0
- Optional final payment
- £0
- Interest rate
- 11.9% APR
- Amount of interest
- £0
- Total payment
- £0
Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status. Representative Hire purchase (HP) 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, the amount payable would be £185.33 per month, with a total cost of credit of £4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.
We work With Trusted CCJ Car Finance Lenders
What is a CCJ?
A CCJ stands for County Court Judgment, a legal order that can be granted against you 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 after you didn't respond or settle it in time. Understanding the impact of a CCJ helps you prepare for how it affects your access to credit and finance options.
You'll receive a letter 14 days before a CCJ is issued, giving you a final chance to clear the debt and stop the judgment. Pay the full amount within 30 days after the CCJ is issued to remove it from your credit report completely. After that window, it stays on your credit file for 6 years and lowers your credit score.
Our customers who have already got car finance!
- High Acceptance Rate
- Representative APR 21.9%
- Rated excellent on Trustpilot
Can I get car finance with a satisfied CCJ?
It is possible to secure car finance with a satisfied CCJ. Satisfied means you've repaid the debt and CCJ is removed from your credit file.
Pay your CCJ within one month to remove it from your credit file completely. Lenders view CCJs more favourably because you've cleared the debt.
We assess your current income and affordability when matching you with car finance with a CCJ. We run a soft search that won't affect your credit score to review your credit file and select the right lender. We only submit applications to finance providers who specialise in bad credit car finance for satisfied CCJs.
Steps to improve your chances:
- Pay current credit accounts on time
- Avoid new credit applications
- Offer a larger deposit
- Add a guarantor for better rates
Our panel includes specialist lenders who approve applications mainstream providers reject. You get tailored options based on current affordability, not past credit history.
Can I get car finance with bad credit and CCJ?
Yes, it's possible to get car finance with a bad credit history and CCJ. Specialist providers assess your complete credit profile - not just your score - when reviewing applications. You need the right lender who understands your situation, not perfect credit.
Traditional lenders reject based on scores alone without considering your current circumstances. We assess what you can afford today: your employment status, income stability, and ability to maintain repayments. Your current financial position matters more than the CCJ on your file or past credit issues.
Bad credit and a CCJ change how you apply for car finance, not whether you can get finance at all. We match you with lenders who specialise in bad credit CCJ car finance and review each application individually. Providers offer flexible terms when you show positive indicators: consistent employment, steady income, or a satisfied CCJ that's been cleared.
We run a soft search first to check eligibility without affecting your credit score. Our panel includes specialists who approve car finance with bad credit or a CCJ when mainstream providers decline.
We will help you get car finance with CCJs and defaults
You can still get finance and secure a car with CCJ and default on your credit file.
Lenders who offer car finance for CCJs and defaults focus on your ability to afford repayments today. Your application gets reviewed individually based on how you manage money now, not just historical issues. You may face higher interest rates to offset the lender's risk, but you can still access affordable car finance tailored to your situation and budget.
Can I get car finance with CCJ and no guarantor?
Yes, you can get CCJ car finance with no guarantor. Specialist lenders approve applications based on income and affordability without requiring someone to guarantee your finance agreement. Your ability to maintain repayments matters more than having a third party back your loan. Lenders assess whether your monthly salary comfortably covers the proposed car finance repayments. Strong employment history - particularly full-time permanent contracts - demonstrates stability and reduces the need for additional security like a guarantor.
Can I get CCJ car finance with no credit check?
We use soft search technology to find you bad credit CCJ car finance without impacting your credit score while we assess your car finance eligibility. The initial check reviews your credit file, verifies your CCJ details (whether satisfied or active), confirms your identity and payment history without leaving a mark that other providers can see. This happens instantly and gives us enough information to match you with the right lender from our panel before any hard search occurs.
Hard credit checks, by contrast, lower your score temporarily and remain visible on your credit file for 12 months - making multiple applications particularly harmful for bad credit CCJ cases.
What are the best car finance options for people with county court judgements?
Hire Purchase (HP) and Personal Contract Purchase (PCP) are the most accessible car finance options for people with CCJs.
Hire Purchase
HP lets you spread the cost of a vehicle over 12-60 months with fixed monthly repayments. You own the car outright once you've made the final payment and paid any option-to-purchase fee. Lenders approve HP applications more readily because the vehicle serves as security - they can repossess it if you default. Interest rates typically range from 15-30% APR depending on your credit history and the age of the CCJ.
Personal Contract Purchase
PCP offers lower monthly repayments than HP because you only finance the vehicle's depreciation, not its full value. You choose at the end whether to return the car, pay a balloon payment to own it, or use any equity toward another vehicle. PCP suits people with bad credit who need affordable monthly payments but may struggle with higher HP costs. The balloon payment at the end ranges from 25-50% of the car's original value.
What are the criteria for getting car finance with a CCJs?
To apply for car finance with a CCJ, you must meet basic lending criteria. We verify these details to match you with specialist lenders from our panel.
Your requirements
- Age 18-75 years old
- UK resident with recent address history
- Full UK driving licence
- Monthly income of £1,000 or above from employment or self-employment
- Provide details of income and regular expenses
Vehicle criteria
- Purchase price £4,000-£40,000
- Maximum 120,000 miles on the odometer
- No older than 14 years at the end of the finance agreement
- Meets lender's valuation and condition standards
How to get car finance with CCJ
Step 1: Get your instant quote
Complete our online application form and receive an instant decision on your car finance eligibility. We use soft search technology that won't affect your credit score. Your quote shows estimated monthly repayments, interest rate, and total amount repayable.
Step 2: Choose your repayment terms
Select your preferred repayment period (12-60 months) and adjust the deposit if needed. We'll confirm your choice via text and email with next steps.
Step 3: Sign and collect your car
Review your agreement terms and submit required documents (driving licence, proof of income, proof of address). Sign the paperwork and we'll pay the dealership so you can drive away.
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FAQ
Will CCJ impact my credit score?
Getting car finance with a CCJ won't damage your credit score if we use soft search during initial checks. Hard searches happen only when you accept an offer, leaving a temporary mark on your credit file. Making repayments on time actually helps improve it over time.
Will a CCJ stop me from getting car finance?
It doesn't stop you from getting car finance. Specialist lenders approve applications for bad credit and poor credit scores regularly. Your current income and affordability matter more than the CCJ. We match you with providers who assess your full financial situation.
Do CCJs show on soft credit checks?
Yes, CCJs appear on soft credit checks. Lenders see it on your credit report including whether it's satisfied or active.
How long does a CCJ stay on your credit report?
A CCJ remains on your credit report for 6 years from the judgment date. If you pay within one month, you can apply to remove it completely from your credit file. A satisfied CCJ shows you've cleared the debt but stays visible for the full six-year period.
Is Carplus a direct lender of car finance for people with CCJ?
Carplus is an authorised and regulated credit broker, not a direct lender. We work with a panel of specialist lenders who provide car finance for CCJs and bad credit. As a broker, we match you with the best lender for your situation without charging broker fees.
Is CCJ car finance guaranteed?
CCJ car finance isn't guaranteed because all lenders must assess affordability and creditworthiness individually. We improve your chances of getting approved by matching you with specialist lenders who approve bad credit applications regularly.
Will I pass a credit check with a CCJ?
You can pass a credit check with a CCJ if specialist lenders assess your application. Mainstream providers often reject bad credit automatically, but our panel reviews your income, employment stability, and affordability individually.
Can a CCJ be taken off?
Pay the full amount within one month to remove a CCJ from your credit file completely. After that window, it stays for six years regardless of payment. You can apply to set aside a CCJ if it was issued incorrectly or you never received court documents.
What happens if I don’t pay a CCJ?
Unpaid CCJs severely damage your credit score and remain on your credit file for six years. Creditors can enforce the judgment through bailiffs, charging orders on property, or attachment of earnings. This makes getting car finance significantly harder and limits you to high-interest lenders who specialise in poor credit cases.
Do I need a deposit for car finance with a CCJ?
You don't always need a deposit for CCJ car finance, but offering one improves your chances of getting approved. Larger deposits reduce the lender's risk and may lower your interest rate by 2-5%. Some specialist lenders approve applications with zero deposit if your income supports the repayments and your County Court Judgment is satisfied.
What if I'm self-employed with a CCJ?
Self-employed applicants can get car finance with a CCJ by providing proof of income through tax returns, bank statements, or SA302 forms. Lenders assess your average earnings over 12-24 months rather than monthly payslips. Stable income and consistent trading history improve your chances of getting approved
Can I apply jointly for car finance with a CCJ?
Yes, joint applications for car finance with a CCJ can improve your chances of approval. Adding someone with good credit strengthens the application and may reduce your interest rate. Both applicants undergo credit checks, and the lender assesses combined income and affordability. The joint applicant becomes equally responsible for repayments.
