How much can I afford to pay?

Our car finance calculator is an ideal tool to work out what your monthly repayments will be.

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.

We compare car finance quotes from all the leading providers

We partner with the UK’s trusted car finance lenders, so that you get the most suitable car loan quotes from across a huge choice of deals.

CCJ car finance

At, we help customers who have CCJs, IVAs and defaults to find their perfect vehicle. Even with bad credit history, you can secure a car finance  loan from us today. 

What is a CCJ and how does it affect car finance?

County court judgments (CCJs) are court orders issued if you fail to repay your debts on time. These stay on your credit report for six years and, as this  serves as evidence of poor money management, most car finance providers will see you as a risk, and therefore be reluctant to give you a loan. You may also struggle to secure car finance if you are in an Individual Voluntary Arrangement (IVA), or have defaulted on a past loan payment, both of which are  indications of a poor credit history. The majority of lenders will be likely to reject car finance applicants with a record of late or missed payments.

Can I get car finance with a CCJ?

As most providers will be put off by any black marks on your credit file, you may think that a CCJ is bound to ruin your chances of securing car finance  anywhere. Luckily, that’s not the case here at We have a very high success rate in acquiring loans for individuals with ​bad credit history​,  including CCJs, IVAs and defaults. Even if your financial history has led to you being ​refused car finance​ in the past, that doesn’t mean we can’t get you a  new set of wheels today. Our ​vehicle finance schemes​ have helped thousands of people acquire their perfect car, van, motorbike or even motorhome, even  when they thought bad credit and CCJs would prevent them from getting a loan. Get in touch with us today, and we’ll have you out on the road in no time.

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.