CCJ Car Finance

  • Take our 1-minute application
  • We find you the best possible deal 
  • We do the paperwork, you drive away!
Get a FREE quote - with no impact to your credit score!*
Applicants must be either employed or self-employed
Representative APR: 19.9% APR
We act as a credit broker, not a lender
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.

*It is only if you choose to proceed with a vehicle then a hard search will be carried out.
Refinance Your Balloon Payment

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.

What is a CCJ and How Does it Affect Car Finance?

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.

Can I Still Get Car Finance with a CCJ?

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.

What Are Lenders Looking for When Offering CCJ Car Finance?

  • Recent Financial Behaviour: Lenders may be more interested in your recent financial activity rather than past mistakes.
  • Stable Income: Demonstrating a stable source of income can boost your eligibility.
  • Deposit or Guarantor: Offering a larger deposit or having a guarantor can enhance your chances of approval.

What Types of Car Finance Are Available for Individuals with CCJs?

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.

How Can I Improve My Chances of Approval?

  • Check Your Credit Report: Ensure all information is accurate and up-to-date.
  • Build a Positive Financial History: Show responsible financial behaviour going forward to rebuild trust with lenders.
  • Save for a Deposit: A larger deposit can increase your chances of approval.

What Should I Be Aware of When Applying for CCJ Car Finance?

  • Interest Rates: Expect higher interest rates compared to standard car finance due to the increased risk.
  • Repayment Terms: Be mindful of the terms and ensure they align with your budget.

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!

The smart choice

  • If you currently have vehicle on finance, we can help you get your Settlement Figure
  • £0 deposit options
  • No arrangement fees
  • No obligation quote
  • Most credit scores considered
  • Apply online 
  • Get a decision in minutes
  • The smart choice for reducing your payments and keeping the vehicle you love!
Personal Shopper Service
If you've not decided which car you want, you can get your finance approved first then we'll help you search for the perfect car
Receive a Call Back
One of our experts will call you back at a convenient time
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.

*It is only if you choose to proceed with a vehicle then a hard search will be carried out.

Finance Calculator

Amount to Finance
Monthly Budget
-
£
+
-
£
+
24
36
48
60

Approximate Monthly Payments

Excellent Credit
108
Good Credit
127
Fair Credit
146
Poor Credit
193

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.

Approximate Amount You Could Borrow

Excellent Credit
10.00
Good Credit
10.00
Fair Credit
10.00
Poor Credit
10.00

Get Started
With no impact to your credit score*

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.

What Our Happy Customers Are Saying

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.
K Robinson
Trustpilot
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😊
J Baxter
Google Reviews
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.
Karlrobo
Google Reviews
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! 😊
A Taylor
Trustpilot
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.
C Cairns
Trustpilot
Song Bird
Song Bird
Could not recommend Happy Motor Finance enough. Kirsty has been so helpful throughout, searching for cars and contacting dealerships on my behalf. She has gone above and beyond and made what could have been a stressful experience a walk in the park. Would definitely use again. Highly recommend
Jordan Little
Jordan Little
Brilliant service sorted everything for me
Tricky Mooney
Tricky Mooney
First class, quick and easy and extremely helpful from start to finish 👍🏼
Lucy Holden
Lucy Holden
Brilliant service from star to finish super fast on the forms and got my dream car ❤️
Debbie King
Debbie King
Excellent company highly recommend. Always available to help, brilliant communication and always kept informed of how the process was going. Swift, helpful and kind. Can’t wait to collect my new car. Thank you.
Nicola Redgrave
Nicola Redgrave
Fab from start to finish! Thank you so much! Can't wait to pick my car up! ❤️
Matthew Moxham
Matthew Moxham
Absolutely 110%.. Extremely helpful very fast replies.. Absolutely could not do enough for me.... Customer service is exactly how it should be... Amazing experience from the start to finish Thankyou
A M
A M
Easy and very helpful in finding the right car for me
Some of our trusted partners
Oodle - Car Finance Loan Lender
Marsh Car Finance - Motor Finance Broker
Advantage Finance - Car Finance Broker Partner
Lendable Car Finance - Motor Finance
Close Finance - Motor Finance Partners
First Response Car Finance Broker Partner
Happy Motor Finance Limited is registered in England and Wales under company number: 14387669. Registered office address: Clippers House, Clippers Quay, Salford, England, M50 3XP

Happy Motor Finance Limited (FRN - 989250) is authorised and regulated by the Financial Conduct Authority. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow) this will not affect the rate you are offered or the amount you will pay back. The lenders we work with could pay commission at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.

Happy Motor Finance Limited are registered with the Information Commissioners Office under registration number: ZB408604

VAT Number: 456 0212 21