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
Amazing experience from start to finish, the people there don’t push you into anything. The checks are really good, they not only check out the car but who you are buying it from. Thanks to Matthew and Leon for all their support in helping me choose the right car for me.
They were extremely helpful and did everything they could to get me finance even with a bad credit rating. Couldn’t recommend these guys enough. Leon talked me through it every step of the way, the company are lucky to have you😊
Very helpful team Leon walked me through the whole process and didn’t push. He also gave brilliant advise and set up warranty package that gave me peace of mind.
I've just picked up my new car, absolutely love it, Alan was amazing I told him everything I was looking for in a car and within minutes he found my dream car, Alan kept in contact with me through the whole experience, checking I was still happy with everything, I would highly recommend Happy motors finance and have already done so with friends. THANK YOU SO MUCH! 😊
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John Henry Oluebube MadukaI recently had the pleasure of working with Kirsty at Happy Motor Finance to secure financing for my new car, and I am beyond impressed with the service I received. From the moment we connected, Kirsty was incredibly knowledgeable, patient, and attentive to my needs. They took the time to explain all the financing options available to me, ensuring that I could make an informed decision.What stood out the most was their commitment to finding the best possible Car, rates and terms that fit my financial situation. Kristy navigated through the paperwork with ease, making the entire process smooth and stress-free. A couple of times I was feed up and wanted to give up but Kirsty reassured me that this will workout in the end. Thanks to Kirsty's expertise and dedication, I am able to drive away in my dream car with a financing plan that works for me. I highly recommend Kirsty from Happy Motor Finance to anyone looking for a reliable and supportive finance company and representative. Thank you, Kirsty, for your outstanding service! I appreciate You😊
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