CCJ car finance

No deposit
CCJs are accepted
Poor credit specialists
No fees

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What is a CCJ?

A CCJ (Country Court Judgement) is a court order that is issued in England, Wales, and Northern Ireland if you have failed to repay debts on time. Therefore, CCJs can be detrimental to your credit rating as they serve as evidence of poor money management.

14 days before a CCJ is issued, the credited is required to provide a forewarning letter. During this time, if you are able to settle the debt, the CCJ will not be issued. If you are unable to do so, there is a 30-day window after the CCJ comes into effect whereby if you settle the debt, it will not stay on your credit profile. Failure to do this will result in the CCJ staying on your credit record on the Register of Judgments, Orders and Fines for 6 years.

Can I get car finance with a CCJ?

In short, yes. Here at Car Finance Plus, we’re experts in securing car finance for those in a variety of financial situations, and we have a high success rate for securing car loans for individuals with CCJs.

To get started, decide on the amount you’d like to borrow and how long you’d like your repayment period to last. You can use our car finance calculator to see the costs that you will incur on a monthly basis. Then, simply fill in our online application form.

Before we send your application on to our lenders, we perform a “soft search” or “quotation search” which is a basic credit check that doesn’t affect your credit score. We assess your income and likelihood of making monthly repayments – this is crucial, especially if you’ve been issued with a CCJ.

Performing the soft search also gives us an indication of whether your application is likely to be successful and reduces the chances of it being rejected. A rejection of your formal application for car finance can be harmful to your credit rating.

Once this has been completed and we’re satisfied with the results, we’ll pass on your application to our panel of lenders who will be in touch with you regarding your loan. In many cases, this will be within 24 hours of your first applying. For more information on CCJ car finance, call us on 0330 043 0033.


Representative example: Borrowing £12,500 over 5 years with a representative APR of 19.9% and a deposit of £0, the amount payable would be £319 per month, with a total cost of credit of £6662 and a total amount payable of £19,162.

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Monday to Saturday (9am to 8pm)
Email: [email protected]
Telephone: 0333 050 3440

*The car loans are applicable to UK residents only. We do not take applications over the phone. Calls may be monitored or recorded.

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