Having a County Court Judgment (CCJ) against you can be a roadblock when seeking car finance. However, don’t lose hope! 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 can have an impact on your creditworthiness, potentially making it harder to secure traditional car finance.
Yes, it is possible. Some lenders specialise in providing finance options for individuals with CCJs. They take into account a range of factors beyond just your credit history.
Similar to standard car finance, options include Personal Contract Purchase (PCP), Hire Purchase (HP), and Personal Loans. Some lenders may have specific CCJ car finance products.
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!
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.
*Our lenders operate using an initial "soft search" which does not impact your credit score however, if you wish to proceed with the finance offered, the lender may carry out a "hard search" prior to sending you the finance documentation to sign.
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! 😊
Cannot praise this company highly enough. Dealt with Alan, who pulled out all the stops and exceeded my expectations. Everything went so smoothly. Alan also made sure I was given all the details needed and communication was excellent. Keep up the good work guys.