CCJ
Car Finance
CCJs, defaults and bad credit consideredSoft credit check, no impact on your credit score15+ specialist UK lenders compared
4.8 out of 5
CCJ car finance lets you spread the cost of a car even with a County Court Judgment on your record. We work with 15+ specialist UK lenders who consider CCJs, defaults and bad credit, assessing your current affordability, not just your credit history. Rates from 9.9% APR. Representative 21.9% APR. Agreements from 24 to 60 months. Deposit optional.
No minimum credit score: CCJs, defaults and IVAs considered
Finance type: HP recommended; PCP also available via specialist lenders
Rates: representative 21.9% APR fixed rate
Term: 24 to 60 months
Deposit: optional. A deposit improves approval likelihood and reduces monthly cost
Moneyrepublic Ltd (FRN: 967024) trading as car-finance.co.uk acts as a credit broker, not a lender, regulated as an Appointed Representative of F&I Online Ltd (FCA No. 731217), authorised by the Financial Conduct Authority.
Last Updated: Aug 2026
How to get CCJ car finance?
Getting a car loan is easy - you just need to follow a few steps to get the most favourable offer possible.
Check your eligibility
We match you with specialist lenders
Choose your car and drive away
We Work with 15+ Trusted UK Car Finance Lenders
We work with over 15 lenders offering 100+ HP and PCP deals so that you could have the best offer.
We are credit broker, not a lender.
CCJ car finance calculator
With the help of the calculator you can roughly estimate possible car loan options.
Finance calculator
- 36 mo
- 42 mo
- 48 mo
- 60 mo
Your estimated examples
Representative example: Borrowing £7,500 over 48 months with a representative APR of 21.9%, monthly payment of £228.11, total cost of credit £3,449.21, total amount payable £10,949.21. Rates from 9.9% APR. We are a credit broker, not a lender.
With the help of the calculator you can roughly estimate possible car loan options.
Total payable includes interest, the option-to-purchase fee, and any documentation fees. The actual rate depends on credit profile, deposit, and chosen lender.
Rates from 9.9% APR. We are a credit broker, not a lender.
What is CCJ car finance?
CCJ car finance is a regulated motor finance agreement for borrowers who have a County Court Judgment on their credit file. A CCJ is a court order issued in England, Wales or Northern Ireland when a debt has not been paid. Specialist UK lenders assess your current affordability and CCJ status (satisfied or unsatisfied), rather than the credit score alone. Both Hire Purchase (HP) and Personal Contract Purchase (PCP) are available, though HP is the most common product approved for car finance with a CCJ.
Car finance for CCJ suits a range of situations. You can apply with a single CCJ or multiple judgments, satisfied or unsatisfied, recent or several years old. You can also apply with a CCJ alongside defaults, missed payments, or while self-employed. The primary criterion for approval is stable income and proven affordability of the monthly payment.
Car-Finance.co.uk runs an initial soft search across 15+ specialist UK lenders, with no impact on your credit score. A full credit check is required if you proceed to a formal application. The service is free, and we operate as an FCA-regulated credit broker. Every application is reviewed manually, with no automatic rejections.
How do CCJ car finance payments work?
CCJ car finance is repaid in fixed monthly instalments over 24 to 60 months. Representative Example: Borrow £7,500 over 48 months with a £0 deposit. Representative 21.9% APR fixed rate. Monthly payment: £228.11. Option to purchase fee £10 payable. Total cost of credit: £3,449.21. Total amount repayable: £10,949.21.
The monthly payment on car finance with a CCJ depends on five factors:
- Deposit amount. A larger upfront payment reduces the amount borrowed and lowers the monthly cost. No deposit car finance may also be available.
- Loan term. Longer terms, from 48 to 60 months, reduce monthly payments but increase total interest paid.
- Credit history and CCJ status. A satisfied CCJ typically attracts a lower rate than an unsatisfied one.
- APR rate. CCJ applicants pay a higher rate than borrowers with clean credit; the exact figure is set by the lender and confirmed before you sign. Our representative APR is 21.9%, with rates from 9.9% APR.
- Vehicle value. The car acts as security on HP and PCP agreements, so price and age affect the offer.
CCJ car finance: HP vs PCP vs guarantor
| Parameter | HP (Hire Purchase) | PCP | Guarantor Finance |
|---|---|---|---|
| Suitability with a CCJ | Most accessible | Possible with a satisfied CCJ | Available with a guarantor |
| Balloon payment at end | No | Yes (GMFV) | No |
| You own the car | After the final payment | Optional at end of term | After the final payment |
| Mileage limits | No | Yes | No |
| Typical APR | 19.9% to 49.9% | 25% to 49.9% | 15% to 35% (depends on guarantor) |
| Agreement term | 24 to 60 months | 24 to 48 months | 24 to 60 months |
| Recommended for CCJ | Yes, first choice | Secondary | Yes, with a weaker profile |
For most CCJ applicants, Hire Purchase is the most accessible route. You own the car at the end with no balloon payment and no mileage cap. Guarantor finance works as a backup if your CCJ is recent or unsatisfied.
Benefits of getting a car on finance with a CCJ
Despite having a CCJ on your credit file, finance is achievable through specialist lenders who weigh affordability above credit history. Many CCJ applicants drive away in cars such as the Toyota Yaris, Ford Fiesta or Volkswagen Polo, typically from around £9,000 to £11,000 for used models, on monthly HP agreements.
- No minimum credit score required. Lenders weigh affordability over a fixed score threshold.
- CCJ, defaults and IVA considered. Each application is reviewed individually, not auto-declined.
- Soft credit check first. No impact on your score; a full credit check only runs if you proceed.
- Flexible terms from 24 to 60 months. Choose the length that fits your budget.
- Rebuilds your credit file. On-time payments are reported to one or more of the three main UK credit reference agencies.
- 15+ specialist lenders compared in one search. See the best available rate in one place.
Check your eligibility, no impact on your credit score for the initial check
Who can apply for CCJ car finance?
Specialist lenders apply baseline criteria to every application for car finance for CCJ. You can apply if you meet the following requirements:
- Aged 18 to 79 (varies by lender)
- UK resident with a verifiable address history
- No minimum credit score required
- Regular income (employed, self-employed or limited company director)
- Valid UK driving licence
The following CCJ profiles are accepted across our panel:
- Applicants with a single satisfied or unsatisfied CCJ
- Applicants with multiple CCJs, reviewed case by case
- Car finance with CCJs and defaults or missed payments on file
- Self-employed applicants with a CCJ (SA302 or bank statements required)
- Applicants who have recently completed an IVA
- Applicants within 6 months of a CCJ, with closer income and deposit assessment
You can apply for car finance with a CCJ without a guarantor if your income supports the repayments. A guarantor is only needed by some lenders when the CCJ is unsatisfied or very recent.
Every panel lender must complete an FCA Consumer Duty affordability assessment before approving any agreement.
Documents for self-employed applicants: 3 to 6 months' bank statements; SA302 tax returns, 2 years; HMRC tax year overview; proof of identity; proof of address; or open banking authorisation as an alternative.
Why choose us?
We offer many favourable car loan options for your needs and select the best deals from reliable providers
Check your eligibility online
Soft credit check, no impact on your score; a full credit check is only carried out if you proceed. Apply online in minutes, no paperwork, decision same day.
Buy a car from any dealer
Buy from any FCA-registered dealer across the UK. Once approved, collect in person or arrange delivery.
Car finance quality assured
Every car we finance is HPI checked, with outstanding finance, written-off history, mileage verification and MOT history included.
15+ UK lenders compared
We compare CCJ car finance deals from 15+ specialist UK lenders in one search and find your best available rate automatically.
FCA regulated, free service
Car-Finance.co.uk is FCA regulated as an Appointed Representative of F&I Online Ltd. Our service is free, with no hidden fees and no commission added to your rate.
CCJ specialists, no automatic rejections
Our specialist lenders manually review every CCJ application. Whether your CCJ is satisfied or unsatisfied, recent or old, we will find the right lender for your situation.
Frequently asked questions about CCJ car finance
We've collected the most popular questions about car loans from our customers
Can I get CCJ car finance with bad credit?
Yes. Specialist lenders on our panel assess affordability and income, not just credit history. There is no minimum credit score requirement. CCJs, defaults, IVAs and missed payments are all considered.
Does applying for CCJ car finance affect my credit score?
No. We run a soft credit check at the eligibility stage, which leaves no footprint. A hard search only takes place if you accept a formal offer and proceed to final approval. Applying directly to multiple lenders can damage your score; avoid this.
How quickly can I get approved for CCJ car finance?
Initial eligibility decisions are typically same-day. Most applicants receive a formal offer within 24 to 48 hours once documents are submitted and verified. From final approval to driving away usually takes 2 to 5 working days, depending on dealer and vehicle availability.
What is a CCJ and does it affect my car finance application?
A CCJ (County Court Judgment) is a court order issued when a debt goes unpaid. It stays on your credit file for 6 years and shapes how lenders price car finance with a CCJ. Specialist lenders weigh CCJ age, status, satisfied or unsatisfied, income and deposit, rather than the CCJ alone.
Does a satisfied CCJ improve my chances of getting car finance?
Yes, significantly. A satisfied CCJ, debt repaid more than one month after judgment, is viewed more favourably than an unsatisfied one, because it shows the debt has been resolved. Combined with stable income and a deposit, a satisfied CCJ applicant has strong approval prospects.
How much will a CCJ affect my car finance interest rate?
Applicants with a CCJ typically pay a higher rate than borrowers with clean credit. Our representative APR is 21.9%, and rates start from 9.9% APR for the strongest profiles. The exact rate depends on CCJ status, recency, income, deposit size and the number of CCJs on file. A satisfied CCJ, a meaningful deposit and stable employment push the rate toward the lower end.
Can I get CCJ car finance with no deposit?
Yes. No deposit options exist for CCJ applicants, although a deposit improves both approval likelihood and the interest rate offered. Even £500 to £1,000 reduces the lender's risk. Zero deposit is possible but expect higher rates and stricter income requirements.
Can I get CCJ car finance if I'm self-employed?
Yes. Specialist lenders accept self-employed applicants with a CCJ. You will need 3 to 6 months' bank statements, SA302 tax returns, 2 years and an HMRC tax year overview, or open banking authorisation as an alternative. Lenders assess your average monthly income rather than a fixed salary.
How many CCJs can I have and still get car finance?
There is no fixed limit. Specialist lenders assess multiple CCJs and defaults individually. Key factors are the total CCJ value, recency, whether each is satisfied or unsatisfied, and your current income. A guarantor is not required if your income supports the repayments.
Can a CCJ be removed from my credit file before 6 years?
Only if you pay the full amount within one calendar month of judgment. This is called a discharged CCJ and removes it from the public register entirely. After one month, paying the debt marks it as satisfied but does not remove it. The 6-year clock runs from the judgment date.
Will taking out car finance help rebuild my credit after a CCJ?
Yes. On-time payments are reported to one or more of the three main UK credit reference agencies, Experian, Equifax, TransUnion, building a positive payment history. Over a 24 to 36 month HP agreement, most applicants see meaningful credit score improvement. The CCJ also becomes less impactful as it ages.
What documents do I need to apply for CCJ car finance?
Standard documents: proof of identity, passport or driving licence, proof of address, utility bill or bank statement, last 3 months, 3 months' payslips or 3 to 6 months' bank statements. Self-employed applicants also provide SA302 and an HMRC overview. Compare CCJ car finance with Car-Finance.co.uk today: free quote, no obligation, soft check only.
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