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CCJs can be very detrimental to your financial history and credit score, in some cases, even when you pay it off. But is it possible to get car finance with a CCJ? Yes, if you apply with Carplus, a CCJ’s effect on car finance can be minimised.

If you’re dealing with bad credit due to a CCJ, there is a suitable solution for you. So, worry not - we provide the best rates and find lenders with the most lenient terms. But it always helps to be as informed as possible, so read on for more information and its potential impact on credit.

What is a CCJ?

A CCJ (Country Court Judgment) is a court order that is issued in England, Wales, and Northern Ireland if you have failed to repay debts on time. Therefore, CCJs can be detrimental to your credit rating, as they serve as evidence of poor money management.

14 days before a CCJ is issued, the creditor is required to provide a forewarning letter. During this time, if you are able to settle the debt it will not be issued. If you are unable to do so, there is a 30-day window after the it comes into effect whereby if you settle the debt, it will not stay on your credit profile. Failure to do this will result in the CCJ staying on your credit record on the Register of Judgments, Orders and Fines for 6 years.

Can I get car finance with a CCJ?

In short, yes. Here at Carplus, we’re experts in securing car finance for those in a variety of financial situations, and we have a high success rate for securing car loans for individuals with CCJs and poor credit.

To get started, decide on the amount you’d like to borrow and how long you’d like your repayment period to last. You can use our car finance calculator to see the costs that you will incur on a monthly basis. Then, simply fill in our online application form.

Before we send your loan application on to our lenders, we perform a ‘soft search’ or ‘quotation search,’ which is a basic credit check that doesn’t affect your credit score. We assess your income and likelihood of making monthly repayments – this is crucial, especially if you’ve been issued with a CCJ.

Performing the soft search also gives us an indication of whether your application is likely to be successful and reduces the chances of it being rejected. A rejection of your formal application for car finance can be harmful to your credit rating.

Once this has been completed and we’re satisfied with the results, we’ll pass on your application to our panel of lenders, who will be in touch with you regarding your loan. In many cases, this will be within 24 hours of your first applying.

Will CCJ car finance impact my credit score?

If your credit report is tarnished by CCJs, IVAs, or defaults, taking out car finance can actually be a useful way to help you improve a bad credit rating. We will only perform a ‘soft search’ on your credit file once we receive your application, which boosts the chance of a successful application and won’t impact your credit score at all. Once you’re on board with us and making regular monthly repayments, lenders will then be able to see that you’ve borrowed responsibly, and your credit score will improve. Our car finance schemes are also ideal for those trying to fix their credit with the help of a debt management plan. And best of all, you’ll never be charged any fees for applying.

To get started, simply decide how much you’d like to borrow and the desired length of your repayment period. Scroll up to use our car finance calculator and see a breakdown of the monthly costs of your chosen plan before applying.

How long is a CCJ registered against you?

A CCJ is recorded on the public register and will remain there for 6 years from the date of judgment.

If you’re not sure about the exact date, there is a database called the Register of Judgments, Orders and Fines that you can look up. It is operated and updated by the Registry Trust based on courts’ decisions in the UK. Here are some of the useful details you can find on the register:

  • Date of the judgment debt
  • Amount of debt
  • Claim number

During the 6 years that the CCJ stays on your credit record, anyone can check the register for a small fee, including lenders. After 6 years, the information is removed.

How to get car finance with CCJ

The problem is not whether you can actually get car finance with a CCJ but rather if you can get in on favourable terms. The truth is you’re likely to receive higher quotes compared to a mainstream car finance agreement.

Because of higher rates, you’ll need to spend more time searching through lenders. With our algorithm, it won’t be an issue, but be prepared to look through multiple offers until you find the one you can afford.

Before you submit your application for a loan, make sure to provide everything they ask for. Do thorough research beforehand. Otherwise, it can be declined, incurring further negative consequences for your credit score. Each lender will have slightly different requirements, but most of them will ask for more information than usual. With extra information, they’ll try to determine if you pose too much of a risk, or they can approve the request despite a CCJ and troubles with credit.

Consider adding a third-party guarantor to your credit application. This is someone that agrees to guarantee the car finance repayments for you, the borrower, thus increasing your chances of approval for a car loan. They have to be financially responsible and add to your credibility. However, it’s a big step, and both of you need to approach the matter responsibly.

How to avoid a CCJ

The first and most effective option is to reach an agreement with the creditor. For this, you may need help from a credit advisor that can communicate and negotiate a condition to stop legal action. If the issue hasn’t reached the court yet, this is the most crucial time to cooperate.

If you and your credit advisor decided to dispute the claim, you need to clearly state:

  • With what parts of the claim you agree and don’t agree;
  • Whether you’re disputing all of the debt or a part of it;
  • How you would like to sort this matter out;
  • Whether you agree to the suggestion of the creditor;
  • Your further intentions (such as issuing your own claim).

After you receive the letter of claim, you and your credit advisor have 30 days to come back with a reply.

It’s not recommended to come across as aggressive if you want to convince creditors to put an arrangement in place. With the right approach, you can at least suspend your payment for some breathing room. Alternatively, the creditor can lower the payment or freeze any interest and charges as long as you continue to pay the amounts you're suggesting.

Ways to improve your credit file after a CCJ

Building a good credit score is important at any time. There are some things that will help you reduce the impact of a CCJ over time, but these recommendations would be useful for anyone with bad credit:

  • Register at your current address on the electoral roll;
  • Keep up with all your payments and credit agreements;
  • Add evidence of keeping up with rent payments and disclose some open banking data (outgoings and income);
  • Make sure your credit report is accurate;
  • Don’t shop around for auto loans over a short period of time; keep them at least three months apart;
  • Stay below 30% of credit utilisation;
  • Manage your budget, only borrow what you can afford.

Why Carplus?

Getting a car loan is complicated, let alone when you have bad credit. But it doesn’t mean you have to give up:

  • At Carplus, we know how to help you get a loan on the best terms possible, bad credit car finance included.
  • 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, trying to find the best 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.


Can I get car finance with a CCJ?

Having a CCJ does result in bad credit and limit your chances. But even though it might require some digging, it is possible to find a lender that will help you with car finance. You just need to look for companies that analyse your financial situation on the whole without fixating on individual circumstances.

Can you get a CCJ removed?

There are three options. First, wait for 6 years until the CCJ is removed automatically (although you’ll be facing a risk of enforcement action). Second, pay the CCJ within a month, and it will look as if you’d never received it. Third, apply to cancel the CCJ, and the final decision will be at the court’s discretion.

How long does a CCJ last if unpaid?

You don’t necessarily have to pay the CCJ, but it will stay on your credit record for 6 years. But as already mentioned, you need to be aware of the risk that the claimant can enforce it. In that case, the CCJ may last and impact your credit for more than 6 years. 

Can you have a good credit score with a CCJ?

A CCJ inevitably lowers your credit score. But if you previously had very good credit, you might still be in a relatively good position. In addition, do everything to recover and improve - meet payments for other debts, reduce the number of credit applications, register for the electoral roll, etc.

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