All about car finance with a CCJ

Getting car finance with a County Court Judegement (CCJ) can be a difficult situation, but it’s not impossible. Historically, lenders will view you as a risky borrower if you have a CCJ. This guide has been made to help you understand what CCjs are. In this guide, we’ll also explain car finance with a CCJ and how you could get approval for it. 

All about car finance with a CCJ

Car financing is one of the most popular methods of getting a new or used car in the UK. It’s also one of the most cost-effective ways to get yourself behind the wheel. 

However, having a CCJ could make this application process more difficult. A CCJ is a black mark on your credit history that will be there for six years from the date it was initially registered. 

Depending on the lender, you might be able to acquire motor finance with a County Court Judgement. It all depends on the type of car loan you have and the type of CCJ you have against your name.

CCJ: what does it mean?

You might have heard of a CCJ, or judgement, before. If not, it’s worth knowing about because it can affect the way lenders handle your car finance application.

A CCJ is shorthand for a court judgement against someone for failing to pay money that they owe. This happens when you don’t pay back credit cards and loans on time. This results in you being taken to court and receiving a financial penalty from the creditor.

What sets apart CCJs from other financial circumstances on your credit report is the fact that it remains on your credit report for six years. Even if you have paid it in full. 

The major reason for this is that most lenders will only allow you to borrow money through secured lending. If they can demonstrate that you have passed at least one credit check within the last six months.

If your credit report shows you have no CCJs on your record, they are more likely to lend you money. Compared to someone who has more than one CCJ on their record.

How to check if I have a CCJ

The first thing you need to do is check if you have a CCJ. This can be done through the following methods:

  • Checking your credit report.
  • Checking your credit file.
  • Checking your credit score.
  • Checking your credit rating. Based on the information currently on file with each of the credit agencies, you can use this website to estimate the type of rating you’ll obtain.

Typically, if you have a CCJ, you will already know this. Because you will receive the judgement in the post with the details of it enclosed in the letter. However, it may be best for you to check if you have a CCJ after you have paid it off. It’s always best to see what is negatively impacting your credit score. This is so you can best prepare for getting a car loan. 

Can I get car finance with a CCJ?

Yes, you can get car finance with a CCJ. There are lots of reasons why you might want to do this and it’s important to plan ahead and be realistic about your expectations. 

  • You need to be honest about your situation and how it will affect your ability to make repayments.
  • It will be harder even if you have paid it off in full. This all depends on how long ago the CCJ was issued and when you repaid it.

When choosing whether or not to finance a car with poor credit, there are various elements that will influence whether or not lenders are ready to approve your application. Past debts, whether any debts are outstanding and what type of debt you may still have all affect how lenders view you. 

Car finance bad credit. What should I do?

If you’re looking to take out car finance when you have a CCJ or IVA, it’s important that you know your credit score. Good credit history will help ensure that the lender is willing to help you out.

So what should I do?

If you’ve been refused before, don’t worry! There are still plenty of ways for drivers with poor or no credit history to get their hands on a new vehicle. 

However, it is always important to see how you can stay on top of your finances before considering getting car finance. In the UK, we have three major credit reference agencies. They all have tips and advice for how you can improve your credit rating. 

One of the best ways to apply for a car loan with cad credit is through a car finance brokerage service. At Caryy, we and our partners could help you secure car financing. Our dedicated team members are here to help you with any questions you may have.

General tips to increase your chances of getting car finance with a CCJ

If you have a CCJ on your credit record, then it’s unlikely that you will be able to get car finance without a guarantor or by paying extra for your own insurance. This means that if you are looking to buy a new car, it may be better to go for used cars instead.

If getting car finance with a CCJ is important to you and nothing else will do, follow these tips:

  • Get a good credit score – If you can get your credit score high enough (over 700), there are lenders who will offer unsecured loans with bad credit if they believe there is enough equity in the property of the collateral used as security for their loan. 
  • Pay off as much of your CCJ as possible. The sooner you clear your County Court Judgement from your credit record, the better. This may make lenders see you as more reliable despite your financial circumstances. For example, the lender may be more inclined to lend to you and give a better price if you have a good credit history.

With an honest application and realistic expectations, it is possible to get car finance with a CCJ.

If you are in a position where you need to take out a car loan with a CCJ, it is important that you make sure your application is honest and realistic. Being transparent about your situation will help the lender understand your financial circumstances. Then, they can provide advice on how to proceed with your application.

Being honest means being clear about:

  • Your income (and any other sources of money that could be used in lieu of credit)
  • What type of car do you want to purchase
  • Your current debts, including CCJs and other loans

Talk to one of our brokers to see what car financing options may be available to you. 


We hope that this article has helped you understand how to get car finance with a CCJ. We understand that a CCJ is stressful, and we are here to help you get your ideal car in most cases. 

Having negative credit should not prevent you from financing a car. Furthermore, CCJ vehicle finance is not impossible to get. Luckily, at Caryy, we have a panel of specialist lenders prepared to assist you. 

We want you to have your ideal car and will handle all of the unpleasant aspects of obtaining car financing for you. That is, all you have to worry about is the car you want to finance. Get a quote today by using our service!

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