Yes, you may still be able to get car finance if you have a CCJ.
A CCJ can make it harder to get approved. However, it does not always mean you cannot apply. Some lenders may still look at your current situation, your budget, and how you manage payments now.
We are a specialist lender that could help people with a CCJ on their credit file look at car finance options.
Some people may also have other credit problems, such as an IVA or past defaults. We can take these into account when we review an application.
A CCJ is one reason someone may need car finance for bad credit. This page looks at CCJs in more detail. Our main page explains the wider process and more options for bad credit car finance.
A CCJ on your credit file does not always mean the end of the road. You can still apply with us, and we can review your application based on your own situation.
Step 1: Calculate your monthly repayments
Step 2: Apply and track your application online, in real time (No login or app needed)
Representative example – Total amount of credit £10,500, annual interest rate 18.25% (fixed), charge for credit £9,886.25 (£9,581.25 interest, £295 admin fee and £10 option to purchase fee), total amount payable £20,386.25. Loan term of 60 monthly instalments, 59 payments of £339.60 and 1 final instalment of £349.60. 34.5% Representative APR – Subject to status and affordability.
A County Court Judgment (CCJ) is a court order. It can be issued when a debt has not been paid. A CCJ can affect your credit file and may make it harder to get approved for credit.
In most cases, a CCJ stays on your credit report for six years. If you pay it in full within one month, you can ask for it to be removed. If you pay it after one month, it can usually be marked as satisfied. It may still stay on your file for six years. You can read more in our guide on how long bad credit stays on your file.
This can make some mainstream lenders see you as a higher risk. It may also affect other types of borrowing, such as mortgages, mobile phone contracts, and loans.
Yes, car finance with a CCJ may still be possible. However, it is often harder than if you have a clean credit file.
Some lenders may turn down applications from people with bad credit. A specialist lender may look at the bigger picture instead.
If you are looking for car finance with a CCJ, it helps to remember that lenders do not all work in the same way. A computer-based decision from one lender does not always mean every lender will make the same decision.
At Go Car Credit, that may not always be the case. We know a CCJ does not always tell the full story, which is why we review each application on its own merits.
Getting car finance with a CCJ may be possible with Go Car Credit. However, bad credit car finance is not right for everyone, so it is important to look at all your options with care.
It may be easier to apply for car finance with a satisfied CCJ than with an unpaid CCJ. Even so, a satisfied CCJ can still affect your credit file.
When a CCJ is issued, it is added to your credit report. Even if you later pay it off, it will usually stay on your file for six years from the date it was issued. During that time, lenders and credit reference agencies can still see it when they assess your application.
A satisfied CCJ may show that you have dealt with the debt. Some lenders may see that more positively than an unpaid CCJ. Even so, it can still make credit harder to get, and it may affect the terms you are offered.
A discharged CCJ is different from a satisfied CCJ. If you pay the full amount within one month of the judgment date, you can apply to have the CCJ removed from the public register and your credit file. If you pay it after one month, it is usually marked as satisfied instead. It may still stay on your credit file for six years.
Yes, a satisfied County Court Judgment (CCJ) can still affect your credit.
Paying the CCJ may look better than leaving it unpaid. Even so, the CCJ can still affect your credit while it stays on your report. Some lenders may view a satisfied CCJ more positively, but it can still make borrowing harder.
Here are some simple ways that could help improve your credit file:
It may feel like there is no way back after a CCJ, but there are steps you can take to help improve your credit file and show better money habits over time.
Improving your file does not guarantee approval, but it may help you access more options in the future. It may also help with other products and services, such as mortgages, mobile phone contracts, and other borrowing.
The most important thing to remember is that improving your file can take time. Making these changes, and sticking to them, shows lenders that you are trying to improve your credit. You can also read more in our guide to the credit score needed for car finance.
Past money problems do not always mean we will not look at your application. We know there are many reasons why someone may have a CCJ or other bad credit issues.
We cannot guarantee that you will be accepted for poor credit car finance with us. However, we do review many applications. You can use our car finance eligibility checker to see if you meet our criteria.
If you are looking for CCJ car finance from a direct lender, it helps to check the lender’s criteria first. Some lenders may look at applications from people with CCJs, defaults, or other bad credit issues. It will still depend on your situation and whether the finance is affordable.
At Go Car Credit, we help people with poor credit look at their car finance options, including people with a CCJ. After the first review, we can talk to you about your situation and explain the next steps.
As a direct lender, we are regulated by the Financial Conduct Authority. This means we follow their rules when we provide finance. We only lend when we believe the payments are affordable. If you want an idea of your monthly payments, you can use our car finance calculator.
Ready to apply? Complete our online application form.
Here are six reasons you may want to consider Go Car Credit if you are looking for car finance with a CCJ or other bad credit issues:
We are regulated by the Financial Conduct Authority (FCA). This means we must follow clear rules when we provide finance and when we check if an agreement is affordable.
As a direct lender, you deal with us throughout the process. If you are looking for ccj car finance direct lender options, this can help you understand who is reviewing your application and who you will deal with.
We specialise in helping people who may have struggled to get finance elsewhere. That can include people looking for car finance with ccjs and defaults, as well as people with other past credit problems.
We know a credit file does not always tell the full story. We look at each application on its own merits and consider your current situation. We also make sure any finance is right for you and affordable.
We know that applying for car finance with a CCJ can feel stressful. That is why we aim to explain things in plain English, without extra jargon, so you know what to expect at each stage.
We are proud of the feedback we receive from customers on Trustpilot. Many mention clear communication and supportive service, which matters when you are applying for car finance for bad credit and CCJ issues.
