Car finance
with CCJ

Can I get car finance with a CCJ?

Absolutely, you still have options if you apply with us. You can still get car finance with a CCJ on your credit file. It’s a sign of bad credit, but it doesn’t mean lenders will reject you. Some lenders focus on helping people with CCJs, defaults, or a poor credit history. They look at your income, your recent payments, and how affordable the agreement would be for you—not just your credit score.

A CCJ can stay on your credit file for six years. But if you pay it off within one month, credit reference agencies may remove it. That can improve your chances when you apply.

At CarFinance, we use a soft credit check first. It won’t affect your score. And you’ll see your eligibility without damaging your credit file. We usually give you a decision within 24 hours. Or you can use our car finance calculator to check what your monthly repayments might look like. It’s quick, and it helps you plan with more confidence.

How car finance with a CCJ works?

CarFinance connects you with lenders who understand your circumstances, simplifying the process. The application process mirrors standard car finance steps, even with a CCJ. Start by requesting a finance quote to explore the terms and monthly repayments available to you.

• Lenders assess your credit history, income, and ability to repay.
• Possible outcomes include full approval, conditional approval with requirements like a guarantor or deposit, or rejection.
• Once approved, you must follow the agreed monthly repayments to maintain your finance agreement.

Will a CCJ stop me from getting car finance?

A CCJ will not stop you from getting a car. But it can reduce your chances of getting car finance, especially with a poor credit score or a high amount of the CCJ. Lenders treat a CCJ differently. Some avoid risk, while others focus on offering finance to people with a CCJ on file. The impact of a CCJ depends on the lender’s criteria.

A CCJ can be granted when you miss payments. It will remain on your credit file for 6 years, which can lead to higher interest rates and stricter terms. Before applying, check your credit with a credit reference agency. Make sure all details are correct—mistakes can lower your approval chances.

If you're looking for car finance, we’ll help you find your perfect car. Even without a good credit score, you can still access lenders who see more than your history. You deserve the right support—and the car that you deserve.

Can I get CCJ car finance with bad credit?

Yes, it’s possible to get car finance with bad credit and a CCJ on your file. A CCJ can make it harder, but many lenders now offer car finance, including those with a CCJ.

A CCJ is issued when you miss repayments, and it may affect your credit rating and lower your credit score. It can stay on your credit file for six years, unless paid within a month, which may remove it from your credit report.

Don’t feel put off by bad credit history. The right finance provider looks at more than your credit score. They may suggest options like guarantor car finance, depending on your income and affordability.

At CarFinance, we help you find a lender who understands how a CCJ may affect your application for car finance. Use our car finance calculator to see your options, the total cost of credit, and what it takes to get finance and secure a car. You can still get approved for finance and start improving your credit score with a well-managed car finance agreement.

Can I get car finance with CCJs and defaults?

You still have a real chance. Car finance is possible even with CCJs and defaults on your credit file. A default means you missed payments over time. A CCJ is a court order for unpaid debt. Both can damage your credit score and make borrowing harder—but they don’t close the door.

Plenty of lenders now take a more flexible view. They focus on your current situation, not just past mistakes. They want to know you can afford the repayments and manage your budget today.

And that’s where we come in. At CarFinance, we work with trusted lenders who specialise in CCJ car finance, even when defaults are present. We help you explore your options and move forward with confidence.

Can I get car finance with a satisfied CCJ?

You’ve still got a good chance. A satisfied CCJ shows you’ve taken steps to clear your debt, and that goes a long way with lenders. But the record stays on your credit file for six years, which can still affect how some lenders assess your application.

There are ways to strengthen your position. A bigger deposit helps reduce the amount you need to borrow. That makes the deal less risky for the lender and improves your chances of approval. And if you’ve made regular payments on other accounts (like a credit card or utility bill) that builds trust too.

Some lenders might ask for a guarantor. That’s someone who agrees to step in if you can’t make a payment. It adds security to the application.

At CarFinance, we work with trusted lenders who deal with situations like this every day. We’ll help you explore car finance options that suit your budget and credit history.

Ways to improve your credit file after a CCJ

Improving your credit file after a CCJ requires focus and consistent action. Follow these practical steps to rebuild your credit profile:

• Register on the electoral roll: This helps lenders verify your identity and boosts your creditworthiness.
• Keep credit utilisation below 30%: Use only a small portion of your available credit to demonstrate responsible borrowing. For example, limit usage to £300 on a £1,000 credit limit.
• Maintain regular payments: Ensure all bills, credit cards, and loans are paid on time to show financial reliability.
• Monitor your credit report regularly: Check for errors or updates to address issues promptly and keep your file accurate.
• Practise budget management: Stay within your financial limits to avoid further debt and maintain control over your finances.