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Car finance ›
CCJ car finance
Having a CCJ can make it harder to get approved for car finance. We are a specialist lender who helps people get car finance with a CCJ.
CCJ car finance
Having a CCJ can make it harder to get approved for car finance. We are a specialist lender who helps people get car finance with a CCJ.
Showing our 4 & 5 star reviews
Showing our 4 & 5 star reviews
What is a CCJ?
A CCJ (County Court Judgment) is a type of judgment in England, Wales, and Northern Ireland that can be granted against you if you fail to repay any debts you owe. Your creditors will send you a warning letter 14 days before a CCJ is issued, to let you know that you need to repay what you owe or they will pursue legal action.
A CCJ will remain on your credit report for 6 years after the date it was issued, even if it is satisfied. Having a CCJ can make it difficult to get car finance because a lender may see it as a higher risk to lend to you if you’ve had problems in the past. You might need to use a specialist lender like Moneybarn.
Can I get car finance with a CCJ?
Yes, getting approved for car finance with a CCJ is possible. However, having a CCJ might make it more difficult to be approved. This is because a CCJ shows you’ve had problems repaying your bills in the past and will affect your credit score. You may need to use a specialist lender.
We’ve helped thousands of people across the UK get car finance, even with a CCJ or satisfied CCJ on their credit file. If you’ve been refused car finance, we could help. Better yet, our Conditional Sale agreement means that you’ll legally own the car when you make the final payment.
When you get a quote, we only use a soft search. This doesn’t affect your credit score and will give you an instant decision. A hard search is only done if you decide to enter into an agreement with us, and contracts are drawn up for you to sign.
Find out more about our car finance eligibility checks to see if we can help you.
What is a CCJ?
A CCJ (County Court Judgment) is a type of judgment in England, Wales, and Northern Ireland that can be granted against you if you fail to repay any debts you owe. Your creditors will send you a warning letter 14 days before a CCJ is issued, to let you know that you need to repay what you owe or they will pursue legal action.
A CCJ will remain on your credit report for 6 years after the date it was issued, even if it is satisfied. Having a CCJ can make it difficult to get car finance because a lender may see it as a higher risk to lend to you if you’ve had problems in the past. You might need to use a specialist lender like Moneybarn.
Can I get car finance with a CCJ?
Yes, getting approved for car finance with a CCJ is possible. However, having a CCJ might make it more difficult to be approved. This is because a CCJ shows you’ve had problems repaying your bills in the past and will affect your credit score. You may need to use a specialist lender.
We’ve helped thousands of people across the UK get car finance, even with a CCJ or satisfied CCJ on their credit file. If you’ve been refused car finance, we could help. Better yet, our Conditional Sale agreement means that you’ll legally own the car when you make the final payment.
When you get a quote, we only use a soft search. This doesn’t affect your credit score and will give you an instant decision. A hard search is only done if you decide to enter into an agreement with us, and contracts are drawn up for you to sign.
Find out more about our car finance eligibility checks to see if we can help you.
To get car finance with a CCJ, you’ll need:
- Monthly earnings over £1,000 (after tax)
- To be aged between 20 and 75
- A full valid UK driving licence
- 2 consecutive months of payslips
We can finance cars that meet our lending criteria:
- Priced between £4,000 and £35,000
- Up to 120,000 miles on the clock
- No older than 15 years by the end of the agreement
To get car finance with a CCJ, you’ll need:
- Monthly earnings over £1,000 (after tax)
- To be aged between 20 and 75
- A full valid UK driving licence
- 2 consecutive months of payslips
We can finance cars that meet our lending criteria:
- Priced between £4,000 and £35,000
- Up to 120,000 miles on the clock
- No older than 15 years by the end of the agreement
How to get car finance with a CCJ
How to get car finance with a CCJ
Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.
If you’re approved, use our Vehicle Finder to find your dream car. Our friendly experts will be on hand to help with the search, so you can get onto a better road ahead.
We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new car!
Get an online quote in under 5 minutes. We use a soft check at the point of application, which won’t impact your credit score and provides an instant decision.
If you’re approved, use our Vehicle Finder to find your dream car. Our friendly experts will be on hand to help with the search, so you can get onto a better road ahead.
We’ll help you with providing any paperwork and signing your agreement. Once your agreement is finalised, we’ll pay the dealership and you can collect your new car!
Can I get car finance with a CCJ and bad credit?
A CCJ will appear on your credit file for 6 years from the date it was issued, which can make it harder to get approved. It can also affect your credit score and might mean you have a poor credit score.
However, it’s still possible to get approved for car finance with a CCJ. You might just need to use a specialist lender that helps people with bad credit car finance.
We’ve written a series of guides to help you understand bad credit:
Can I get car finance with a satisfied CCJ?
Yes, it is possible to get car finance with a satisfied CCJ. By fully paying the CCJ, you can apply to have it marked as ‘satisfied’. This can make it easier to get credit and might improve your chances of approval.
We have over 30 years of experience helping people who have had financial difficulties in the past. If you have had a CCJ and are looking for car finance, get a quote today.
Can I get car finance with CCJs and defaults?
A default isn’t the same as a CCJ, though both can affect your credit score and make it harder to get car finance. However, it is possible to be approved even if you have CCJs and defaults on your credit report. This may mean you need to use a specialist lender like Moneybarn.
We’ve written a guide that explains defaults in more detail and whether you can get car finance with a default.
Can I get car finance with a CCJ and bad credit?
A CCJ will appear on your credit file for 6 years from the date it was issued, which can make it harder to get approved. It can also affect your credit score and might mean you have a poor credit score.
However, it’s still possible to get approved for car finance with a CCJ. You might just need to use a specialist lender that helps people with bad credit car finance.
We’ve written a series of guides to help you understand bad credit:
Can I get car finance with a satisfied CCJ?
Yes, it is possible to get car finance with a satisfied CCJ. By fully paying the CCJ, you can apply to have it marked as ‘satisfied’. This can make it easier to get credit and might improve your chances of approval.
We have over 30 years of experience helping people who have had financial difficulties in the past. If you have had a CCJ and are looking for car finance, get a quote today.
Can I get car finance with CCJs and defaults?
A default isn’t the same as a CCJ, though both can affect your credit score and make it harder to get car finance. However, it is possible to be approved even if you have CCJs and defaults on your credit report. This may mean you need to use a specialist lender like Moneybarn.
We’ve written a guide that explains defaults in more detail and whether you can get car finance with a default.
Join thousands of monthly customers like Darren
Being a Moneybarn customer makes me feel content, I couldn’t ask for anymore. The process was easy and I haven’t been bombarded with emails I don’t need. I have been made to feel valued as a customer – Darren.
Join thousands of monthly customers like Darren
Being a Moneybarn customer makes me feel content, I couldn’t ask for anymore. The process was easy and I haven’t been bombarded with emails I don’t need. I have been made to feel valued as a customer – Darren.
How can I improve my credit score when I have a CCJ?
There are some things you can do that may help improve your credit score, which can make it easier to get approved for car finance with a CCJ:
- Regularly check your credit report to ensure all information is up-to-date and accurate.
- Register for the electoral roll, if you haven’t already, to make it easier for lenders to verify your identity.
- Pay your bills in full and on time. Paying off bills such as car finance can improve your credit score.
- Keep your credit utilisation low to show future lenders that you can manage credit responsibly.
You could use a money management app such as Snoop. Snoop is one of our sister companies that helps users track their spending, control their finances, and view their credit score.
How can I improve my credit score when I have a CCJ?
There are some things you can do that may help improve your credit score, which can make it easier to get approved for car finance with a CCJ:
- Regularly check your credit report to ensure all information is up-to-date and accurate.
- Register for the electoral roll, if you haven’t already, to make it easier for lenders to verify your identity.
- Pay your bills in full and on time. Paying off bills such as car finance can improve your credit score.
- Keep your credit utilisation low to show future lenders that you can manage credit responsibly.
You could use a money management app such as Snoop. Snoop is one of our sister companies that helps users track their spending, control their finances, and view their credit score.
FAQs about getting car finance with a CCJ
Can I get CCJ car finance with no guarantor?
Yes, it’s possible to get car finance with bad credit, including a CCJ. Specialist lenders can help people with bad credit finance a car without needing a guarantor.
Whether you need to commute, take your kids to school, or get around day-to-day, we can help you with car finance if you have a CCJ. For more information, look into getting car finance with bad credit and no guarantor.
We also offer joint car finance for people applying with someone they live with.
Can I get guaranteed car finance with a CCJ?
It’s possible to get car finance with a CCJ, but no lender can guarantee approval. Everyone’s situation is different, so is their eligibility for car finance. Lenders must ensure that car finance is affordable before offering it, so it is not possible to guarantee car finance for people with a CCJ.
We suggest being cautious of anyone claiming to offer this. For more information, see our guide explaining why guaranteed car finance is a myth.
Which type of car finance is best for people with a CCJ?
Which type of car finance is best depends on your circumstances and what you want from the finance agreement. While PCP might be best if you prefer flexibility at the end of the agreement, you might prefer a CS agreement if you want to legally own the car and don’t want a large balloon payment at the end.
Find out more about PCP, CS, and other ways of buying a car in our guide to the different types of car finance.
What paperwork do I need to apply?
When you get a quote, we’ll need a few details such as your name, address history, and income. We’ll run a soft check to understand your eligibility and, if you’re approved, show you what your agreement might look like.
A friendly expert from our team will then get in touch to discuss the process and help with any documents you need to submit. These may include proof of identity (usually a driving licence) and proof of income (usually payslips).
Check out our guide, which explains more about what you need when applying for car finance.
Can I use my current car as a deposit for a new one?
Yes, you can use your current car as a deposit. If it was previously financed and is fully paid off, you can part exchange it and use its value as a deposit for your new car. If your current car is still on finance, whether you can use its value for a new car depends on whether it is in positive or negative equity.
If your car is worth more than the current finance, it is in positive equity. This means you can trade it in, pay off the existing finance, and use the extra money as a deposit for your new car.
If your car is worth less than the finance amount, it is in negative equity. This means you would need to trade it in and pay the difference between its value and the finance amount from your own pocket.
For more information, check out our guide to part exchanging a car on finance.
FAQs about getting car finance with a CCJ
Can I get CCJ car finance with no guarantor?
Yes, it’s possible to get car finance with bad credit, including a CCJ. Specialist lenders can help people with bad credit finance a car without needing a guarantor.
Whether you need to commute, take your kids to school, or get around day-to-day, we can help you with car finance if you have a CCJ. For more information, look into getting car finance with bad credit and no guarantor.
We also offer joint car finance for people applying with someone they live with.
Can I get guaranteed car finance with a CCJ?
It’s possible to get car finance with a CCJ, but no lender can guarantee approval. Everyone’s situation is different, so is their eligibility for car finance. Lenders must ensure that car finance is affordable before offering it, so it is not possible to guarantee car finance for people with a CCJ.
We suggest being cautious of anyone claiming to offer this. For more information, see our guide explaining why guaranteed car finance is a myth.
Which type of car finance is best for people with a CCJ?
Which type of car finance is best depends on your circumstances and what you want from the finance agreement. While PCP might be best if you prefer flexibility at the end of the agreement, you might prefer a CS agreement if you want to legally own the car and don’t want a large balloon payment at the end.
Find out more about PCP, CS, and other ways of buying a car in our guide to the different types of car finance.
What paperwork do I need to apply?
When you get a quote, we’ll need a few details such as your name, address history, and income. We’ll run a soft check to understand your eligibility and, if you’re approved, show you what your agreement might look like.
A friendly expert from our team will then get in touch to discuss the process and help with any documents you need to submit. These may include proof of identity (usually a driving licence) and proof of income (usually payslips).
Check out our guide, which explains more about what you need when applying for car finance.
Can I use my current car as a deposit for a new one?
Yes, you can use your current car as a deposit. If it was previously financed and is fully paid off, you can part exchange it and use its value as a deposit for your new car. If your current car is still on finance, whether you can use its value for a new car depends on whether it is in positive or negative equity.
If your car is worth more than the current finance, it is in positive equity. This means you can trade it in, pay off the existing finance, and use the extra money as a deposit for your new car.
If your car is worth less than the finance amount, it is in negative equity. This means you would need to trade it in and pay the difference between its value and the finance amount from your own pocket.
For more information, check out our guide to part exchanging a car on finance.
Refused car finance
We help people who have been refused by mainstream lenders. Even if you have an CCJ, we could help get the car finance you need.
Our application process
We have over 30 years of experience helping people get the car they need. Learn more about our application process here.
How does car finance work?
With lots of different types of car finance available, we’ve written a guide that explains the most common types.
For a better road ahead
Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.
Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.
Moneybarn’s VAT registration number is 180 5559 52.
Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)
Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)
