How car finance works


Get car finance

Get a no deposit car finance approved without affecting your credit score.


Choose your car

Choose any car from any reputable dealer and we will finance it for you.


Delivery or collection

Collect or get the car delivered to you with a 14 day return guarantee.

Car finance calculator for bad credit

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.

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What is a CCJ?

A CCJ (Country Court Judgement) 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 credited is required to provide a forewarning letter. During this time, if you are able to settle the debt, the CCJ will not be issued. If you are unable to do so, there is a 30-day window after the CCJ 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.

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 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. For more information on CCJ car finance, call us on 0203 389 7779.

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.

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Questions? Speak to a real person

Comparing car finance and car warranties is what we do, so you will get through to someone who can help. Call us from Monday to Friday (8am - 8pm) and Saturday to Sunday (9am - 6pm).