CCJ car finance made simple
Got a County Court Judgment on your credit file? Our specialist UK lenders still say yes to many CCJ customers.
- ✓CCJs — satisfied or unsatisfied
- ✓Soft search only — no impact on credit
- ✓No deposit options available
- ✓Fixed monthly payments
“Amazing service from start to finish. Really consistent communication throughout the whole process.”
“They managed the purchase of my new car. It was a breeze! Talked me through every step.”
“A great experience. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — they made it possible.”
“First class. Very professional — they came back to me right away with clear answers.”
“Can't fault them. I've been using them yearly for refinancing. They go above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Amazing service from start to finish. Really consistent communication throughout the whole process.”
“They managed the purchase of my new car. It was a breeze! Talked me through every step.”
“A great experience. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — they made it possible.”
“First class. Very professional — they came back to me right away with clear answers.”
“Can't fault them. I've been using them yearly for refinancing. They go above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Amazing service from start to finish. Really consistent communication throughout the whole process.”
“They managed the purchase of my new car. It was a breeze! Talked me through every step.”
“A great experience. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — they made it possible.”
“First class. Very professional — they came back to me right away with clear answers.”
“Can't fault them. I've been using them yearly for refinancing. They go above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
“Amazing service from start to finish. Really consistent communication throughout the whole process.”
“They managed the purchase of my new car. It was a breeze! Talked me through every step.”
“A great experience. Helped me from start to finish and found me a car the same day!”
“Found a car very quickly. The finance was easy — the lender was specific to my situation.”
“Excellent service from start to finish. Very professional and efficient. Highly recommended.”
“Massive thank you for helping me get my first ever car. Made a stressful process easy.”
“I never thought I'd get a car in my own name with my credit score — they made it possible.”
“First class. Very professional — they came back to me right away with clear answers.”
“Can't fault them. I've been using them yearly for refinancing. They go above and beyond.”
“Just magic! From a few clicks at midnight to a closed deal within 24 hours!”
CCJ car finance explained
A County Court Judgment (CCJ) is a formal court order telling you to repay a debt. CCJs stay on your credit file for six years from the date they are issued — whether they've been paid off or not — and they can make it difficult (but far from impossible) to get car finance from mainstream lenders.
Specialist lenders on our panel are set up specifically to help drivers with active or satisfied CCJs get behind the wheel. Rather than ruling you out on the basis of a court judgment alone, they take a fuller view of your income, affordability, deposit, employment status and the value of the car.
CCJ car finance is usually structured as Hire Purchase (HP), where the vehicle acts as collateral. The lender's risk is lower, and this is one of the reasons approvals are more common than for unsecured personal loans.
Rates on CCJ car finance are higher than mainstream rates — typically 21.9–35% APR depending on the age of the CCJ and your wider circumstances. Making every monthly payment on time also actively helps rebuild your credit profile over the life of the agreement.
You can check what you qualify for in 2 minutes with a soft-search quote from Car Finance UK. It leaves no footprint on your credit file and there's no obligation to proceed.
Pros and cons of CCJ Car Finance
- ✓Active and satisfied CCJs both considered
- ✓No guarantor needed on most agreements
- ✓HP and PCP options available
- ✓Same-day approval possible
- ✓Regular payments help rebuild your credit score
- ✓Refinance to a lower rate 12–24 months later
- !Higher APRs than prime finance
- !Deposit may be required for very recent CCJs
- !Age of the CCJ affects approval odds and rate
- !Some vehicle age limits apply on specialist lenders
Car finance calculator
These estimates are for illustration only and are subject to credit checks and lender criteria. Your actual rate and monthly payment will depend on your personal circumstances.
CCJ Car Finance FAQs
How car finance works
Apply in 2 minutes
Tell us the car you want, how much you want to borrow, and a monthly payment that fits your budget. We'll match you to the best deal from our panel of lenders.
Pick a car from any dealer
Once accepted, choose a new or used car — or part-exchange your current one — from a reputable UK dealer. We run the full checks for you.
Drive away the same day
Arrange same-day collection or home delivery. Get behind the wheel and enjoy your new car.
HP vs PCP vs Personal Loan
| Finance feature | Hire Purchase (HP) | Personal Contract Purchase (PCP) | Personal loan |
|---|---|---|---|
| Requires initial deposit | Optional | Optional | × |
| Car is yours at the end | ✓ | Optional (balloon) | ✓ |
| Fixed monthly payments | ✓ | ✓ | ✓ |
| Optional final (balloon) payment | × | ✓ | × |
| Avoid excess mileage charges | ✓ | × | ✓ |
| Secured against the car | ✓ | ✓ | × |
| Support with vehicle issues | ✓ | ✓ | × |
| Available with bad credit | ✓ | ✓ | ✓ |
We work with 15+ trusted UK lenders
A smarter way to finance your next car
15+ lenders, 100+ deals
Access to a wide UK lender panel means we're more likely to find the right deal for you.
Soft search only
Getting a quote won't affect your credit score. A hard search only happens if you go ahead.
Tailored expert advice
UK-based advisers guide you at every step — by phone, WhatsApp or online.
Fast & efficient
Instant decisions in minutes and same-day delivery or collection once approved.