Car finance calculator

Good credit
Bad credit
Amount to borrow:
To repay over:
5 Years
Car finance rate XX% APR
Cost of credit £ XXX
Total repayment £ XX,XX.XX
48 monthly payments of
£ 245 /mo

Representative example - Borrowing £5,500 over 4 years with a representative APR of 19.8%, and a deposit of £0, the amount payable would be £162 per month, with a total cost of credit of £2,282 and a total amount payable of £7,782.

Compare car finance from 20+ trusted providers without affecting your credit score

CCJ car finance

At Carplus, we help customers who have CCJs, IVAs and defaults to find their perfect vehicle. Even with bad credit history, you can secure a car finance loan from us today.

What is a CCJ and how does it affect car finance?

County court judgments (CCJs) are court orders issued if you fail to repay your debts on time. These stay on your credit report for six years and, as this serves as evidence of poor money management, most car finance providers will see you as a risk, and therefore be reluctant to give you a loan. You may also struggle to secure car finance if you are in an Individual Voluntary Arrangement (IVA), or have defaulted on a past loan payment, both of which are indications of a poor credit history. The majority of lenders will be likely to reject car finance applicants with a record of late or missed payments.

Can I get car finance with a CCJ?

As most providers will be put off by any black marks on your credit file, you may think that a CCJ is bound to ruin your chances of securing car finance anywhere. Luckily, that’s not the case here at Carplus. We have a very high success rate in acquiring loans for individuals with bad credit history, including CCJs, IVAs and defaults. Even if your financial history has led to you being refused car finance in the past, that doesn’t mean we can’t get you a new set of wheels today. Our vehicle finance schemes have helped thousands of people acquire their perfect car, van, motorbike or even motorhome, even when they thought bad credit and CCJs would prevent them from getting a loan. Get in touch with us today, and we’ll have you out on the road in no time.

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 finances 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.

Bad credit car finance

Find the best deals on bad credit car finance without affecting your credit score. Buy from any dealer.

CCJ car finance

If you have a CCJ, but we will work with you to find a monthly repayment plan that works for you.

No credit check

We compare car loan quotes from UK’s top lenders with no impact on your credit score.

Car finance on benefits

Compare car loan deals for customers on benefits and use our free car finance eligibility checker.

Refused car finance

You may be refused car finance if your credit score is in bad shape. Learn about how we can help you.

Debt management plan

Get approved for car finance while being on a debt management plan. No impact to your credit.

Questions? Speak to a real person

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