Having a County Court Judgment (CCJ) against you can be a significant obstacle when seeking car finance. However, there’s no need to despair! It’s still possible to secure car finance even with a CCJ on your record. In this guide, we’ll explore how you can navigate this situation and get behind the wheel of your desired vehicle.
A CCJ is a court order issued against an individual who hasn’t paid a debt. It negatively impacts your creditworthiness, potentially making it more challenging to secure traditional car finance. However, understanding its implications can help you take the right steps to secure financing.
Yes, you can. Several lenders specialise in providing finance options for individuals with CCJs. These lenders consider various factors beyond just your credit history, offering a broader perspective on your financial situation.
Options available include:
Some lenders also offer specific CCJ car finance products tailored to individuals with a CCJ.
A CCJ doesn’t have to be the end of the road when it comes to obtaining car finance. With careful planning, demonstrating financial stability, and seeking the right lenders, you can still secure the vehicle you desire. As experienced car brokers, we’re here to guide you through the process. Feel free to reach out for personalised advice. Here’s to a fresh start on the road!
For more detailed information on how to get car finance with a CCJ, visit our guide on bad credit car finance.
The above rates and monthly payments are an example only. The actual rate you will be offered by lenders could be lower or higher depending on your circumstances
Representative example: borrowing £6,500 over 5 years with a representative APR of 19.9%, an annual interest rate of 19.9% (Fixed) and a deposit of £0.00, the amount payable would be £166.07 per month, with a total cost of credit of £3,464.37 and a total amount payable of £9,964.37.
*After completing the application, lenders will perform a "soft search" that will not affect your credit score. Should you get an offer of finance and wish to proceed, the lender will then perform a "hard search" of your credit file. Finance acceptance is not guaranteed, please click the following link for more information: Initial Disclosure Document
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