Can you get car finance with a CCJ?

car finance with a ccj

Rates from 28.5% APR
39.7% Representative APR -
Subject to status and affordability

Yes, it is possible to get car finance with a CCJ.

If you have a County Court judgment (CCJ) and are worried about trying to get car finance, Go Car Credit may be able to help. Understanding how your CCJ affects your credit file and application could improve your chances of finding a car finance deal that suits you.

What is a CCJ?

A county court judgement, or CCJ, is a court order that’s issued to you if you don’t repay debts on time as per a finance agreement. Once issued, they stay on your credit report for six years and serve as evidence of poor money management, meaning that most lenders will see you as a risk.

Whether you’re looking to take out car finance, a mortgage or even a phone contract, many lenders or finance companies may be less likely to give you a loan.

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Representative example – Total amount of credit £8000, annual interest rate 20% (fixed), charge for credit £6711.44 (£6406.44 interest, £295 admin fee and £10 option to purchase fee), total amount payable £14711.44. Loan term of 48 monthly instalments, 47 payments of £306.28 and 1 final instalment of £316.28. 39.7% Representative APR – Subject to status and affordability


Can I get car finance with a CCJ?

It may be more difficult to find a lender that will help you with car finance when you have a CCJ as you’ll likely be considered to have bad credit, however, there are some companies out there who will look at your bigger financial picture and circumstances.

As most providers are automatically put off by bad credit on your credit file, especially if decisions are made by an algorithm or computer, you may think that by having a CCJ your chances of securing finance for a new or used set of wheels are ruined. At Go Car Credit, that may not always the case.

We specialise in helping those with poor or adverse credit histories secure loans for purchasing their next vehicle. Whether you’ve got a CCJ (County Court Judgement), IVA (Individual Voluntary Arrangement) or a defaulted payment on your file, we may be able to help. Although it can feel like it, having a mark such as these on your file doesn’t automatically mean the end of the road when it comes to applying for bad credit car finance. You can still apply for car finance with us, and we can review the application.

Getting car finance with a bad credit history or CCJ is possible with Go Car Credit.

Remember, bad credit car finance is not for everyone, so it’s important to explore all your options.


Ways to improve your credit file after a CCJ

It may seem like there is no coming back from a CCJ but there are a number of things you can do to help improve your credit file. If you work on bettering your profile by keeping up with bad credit loan repayments, and any other financial commitments you may currently have, you’ll be showing good money management. This may eventually help your overall score.

By improving your file, you may be able to access lower APR credit options and a whole range of services in the future such as mortgages, mobile phone contracts and other loans.

Here are some simple ways that could help improve your credit file:

  • Register on the electoral roll: Probably one of the quickest things you can action to potentially improve your credit file. If your name’s not on there, you may find it harder to get credit. Go to the government website to register today
  • Pay your bills on time: For example, your phone or internet contract. By doing this you’re letting lenders know you can manage your finances well
  • Check for fraudulent activity: If you check your file and notice something isn’t right, contact your credit reference agency immediately and get your file reviewed
  • Keep your credit use low: Simply put, your credit use is how much of your available credit limit you use. For example, if you have a credit limit of £1000 on a credit card and you’ve used £500 of that, you’re using half your credit limit.
  • Get into good financial habit: Even the simplest of things such as signing up for a credit agency such as Experian, TransUnion or Equifax can help. By checking these regularly and following any advice they offer, you can work towards improving your credit score. As an added bonus, they tend to offer a free month’s trial to get you started.

The most important thing to remember is that improving your file can take time. Making these all important changes, and sticking at them, shows credit lenders you’re committed to repairing your credit. This could help you secure finance agreements in the future.



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How can I make an application for car finance?

Just because you’ve made a financial mistake in the past, doesn’t mean we won’t consider you for car credit with a CCJ. We look at the whole story, as we know there are a number of reasons that someone may have found themselves in financial difficulty.

Although we can’t guarantee you’ll be accepted for poor credit car finance with us, we work hard to try to approve as many applications as possible. Use our car finance eligibility checker to see if you meet our lending criteria. Even if you’ve been refused credit elsewhere, we might be able to approve you.

At Go Car Credit, we specialise in helping those with poor credit, secure a car loan, including those with a CCJ. After the initial review, we’ll talk to you about your circumstances and work out the best solution for you.

As a responsible lender, we’re regulated by the Financial Conduct Authority, which means we follow their strict regulations and only offer what you can afford to repay for the life of your agreement. Want to get an idea as to what your monthly repayments could look like? Why not try our easy-to-use car finance calculator online.

Ready to apply for bad credit car finance? Apply for car finance in minutes online.

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