Car finance
with CCJ

Getting car finance with a CCJ is not only possible but also achievable through our dedicated services. We are an authorised car finance broker in the UK, committed to helping you get behind the wheel of your dream car, regardless of your credit history. Here, we’ll guide you through the process and answer all your questions about CCJ car finance.

Can I get car finance with a CCJ?

Yes, you can get car finance with a CCJ. We understand that life can be challenging, and a CCJ might make it seem impossible to get a car. But we are here to simplify the process.

Securing car finance with a County Court Judgment (CCJ) may seem difficult, as many lenders hesitate to approve applicants with bad credit, especially through automated decisions. However, it is not a dead-end. Companies like CarFinance specialise in helping individuals with bad and poor credit histories, including those with CCJs, obtain car finance. Our team of experts understands the applicable laws and regulations, ensuring you have a legitimate path to car ownership, even with a CCJ in your history.

Here's how it works:

1. Figure Out What You Need: Decide how much money you want to borrow and how long you'd like to take to pay it back. Use our car finance calculator to see your monthly costs.
2. Apply Online: Complete our easy online application form to take your first step towards getting car finance.
3. Credit Check: Before sending your application to our lenders, we perform a 'soft search' or 'quotation search.' This simple credit check won't affect your credit score. We verify your income and your ability to make monthly repayments, which is crucial if you have a CCJ.
4. Submit Your Application: Once we are satisfied with the soft search results, we forward your application to our lenders. Typically, you will receive a response within 24 hours.

Can I get car finance with a satisfied CCJ?

Yes, obtaining car finance with a satisfied CCJ is possible. While lenders may still view you as a higher-risk borrower, CarFinance strives to make the process as smooth as possible. Having a satisfied CCJ won't stop you from driving your dream car. We evaluate your application based on your current circumstances and financial stability, not just your past.

It's important to note that even a satisfied CCJ can affect your credit score and impact your ability to secure credit. A 'satisfied' CCJ means you have paid it after the judgment date. This status stays on your credit file for six years from the date of issue.

Can I get car finance with bad credit and a CCJ?

Yes, you can secure car finance with bad credit and a County Court Judgment (CCJ). While it may be more challenging and limit your options, there are lenders willing to work with individuals in your situation.

Typically, when you apply for car finance, lenders check your credit score to assess your creditworthiness. Bad credit and a CCJ may indicate a higher risk, causing some lenders to hesitate.

We collaborate with a network of lenders and financial institutions that provide car finance to those with bad credit and a CCJ. They consider factors like your income, employment status, and overall affordability when deciding on finance options.

Our experienced team is here to help you find a car finance option that fits your budget and unique situation. If you're interested in obtaining a quote, complete our online loan application form, and one of our advisers will promptly get in touch.

Don't let bad credit and a CCJ deter you from owning a car.

How to get car finance with CCJ?

Getting car finance with a CCJ is straightforward with CarFinance. We've streamlined the application process for your convenience. Here's how it works:

1. Application: Fill out our easy online application form with basic personal and financial information to help us understand your circumstances.
2. Evaluation: Our team of experts will review your details and match you with the most suitable lenders from our network, considering your CCJ, credit history, and financial situation.
3. Quote: We’ll provide you with a tailored car finance quote that suits your budget and requirements, giving you a clear picture of what to expect.
4. Approval: Once you’re satisfied with the quote, we'll submit your application to the selected lender. They will review your application and, if approved, provide the necessary funds for your car purchase.
5. Drive Away: With approval in hand, visit your chosen dealership, select your dream car, and drive away with confidence, knowing your car finance is sorted.
6. Timely payments: Making timely payments on your car finance agreement shows responsible financial behaviour. These positive payment histories are reported to credit bureaus, potentially improving your credit rating over time.
7. Financial improvement: Not only can you secure the car you desire, but you can also work towards enhancing your credit score.

Will CCJ car finance impact my credit score?

A common concern about CCJ car finance is its effect on your credit score. We assure you that taking car finance through our service can positively impact your credit score. Here’s how:

Application: Fill out our easy online application form with basic personal and financial information to help us understand your circumstances.

Evaluation: Our team of experts will review your details and match you with the most suitable lenders from our network, considering your CCJ, credit history, and financial situation.

Quote: We’ll provide you with a tailored car finance quote that suits your budget and requirements, giving you a clear picture of what to expect.

Approval: Once you’re satisfied with the quote, we'll submit your application to the selected lender. They will review your application and, if approved, provide the necessary funds for your car purchase.

Drive Away: With approval in hand, visit your chosen dealership, select your dream car, and drive away with confidence, knowing your car finance is sorted.

Timely payments: Making timely payments on your car finance agreement shows responsible financial behaviour. These positive payment histories are reported to credit bureaus, potentially improving your credit rating over time.

Financial improvement: Not only can you secure the car you desire, but you can also work towards enhancing your credit score.