Flexible Payments, Tailored Options and Second Chances – Get Started with CCJ Car Finance Today!
A CCJ—County Court Judgement—can be a real hurdle when it comes to securing a car loan. That’s because it can damage your credit file and make lenders less likely to offer you a deal with more affordable terms.
However, a CCJ doesn’t have to stop your car ownership dreams in their tracks. At CarFinanceToday, we specialise in securing excellent car finance deals for people with all types of credit report—including those with a CCJ. Bad credit no longer has to mean a bad deal.
CCJ car finance offers you a chance to be a car owner and, by extension, get your financial life back on track while you enjoy the car you need.
The CCJ car finance alternative is to match you with a lender not wholly reliant on your credit score but instead on your position regarding income. This affords you a chance to take out a car loan despite having blemishes on your credit report.
A CCJ shows you have, or have had, outstanding debts and missed payments. Naturally, this can make car finance lenders more hesitant to give you a loan.
But it’s not that simple. For instance, there are different types of CCJ: satisfied and unsatisfied CCJs. A satisfied CCJ has been paid off (although the negative credit report consequences could still be in place). An unsatisfied County Court Judgement is one which hasn’t been paid off.
Factors like these can affect your options. As can:
So, a CCJ can make securing a car deal tricker. But not impossible. If you can:
…then your chances of getting approved can increase.
The good news is having a CCJ doesn’t technically ‘bar’ you from any particular car finance type. But it doesn’t make lenders less likely to approve you for certain models, such as No Deposit Car Finance.
However, we work with top lenders who are often willing to arrange tailored terms to meet the needs of different buyers. That’s great news for buyers with bad credit. Lenders can adjust certain car finance deals to suit you.
So you may still be eligible for:
Hire Purchase—HP—is one of the most popular car finance models in the UK. Part of the reason? It’s super flexible, with tailored terms depending on your financial situation. You’ll have a range of vehicle options, just like any other buyer, and may be able to finance with a CCJ.
With a HP agreement, you spread the cost of the car over fixed monthly payments (and a deposit) instead of paying upfront. The benefits of this type of agreement are:
Another top choice for UK car buyers. PCP is even more flexible than HP and allows even those with poor credit to access good terms.
With PCP, you can also spread the cost of the car over monthly payments—only this time, you’ll pay even less. Why? Because with PCP, much of the cost is put into an optional final balloon payment. This gives you ultra flexibility, such as:
When it comes to securing top car finance with a poor credit report, Guarantor Car Loans are another forefront option. That’s because Guarantor Car Finance gives you access to incredible financing deals with better terms despite having a lower credit file or a CCJ.
All you’ll need to do as a first step towards securing a Guarantor Loan is to ask a guarantor—usually a friend or family member—with good credit history to guarantee your monthly repayments should you fail to make them. Lenders are reassured, and you can get a better deal. Win-win!
Budgeting is an essential part of car finance, especially for those struggling with poor credit or a CCJ. Luckily, it doesn’t have to involve costly financial advice. Use our 100% free car finance calculator below to get an idea how much you’ll pay in monthly instalments and start taking control of your finances:
Head of Content and Conversion
We get it: car finance can be daunting. At CarFinanceToday, we’ve made the process easy. Here’s how simple it is to apply for CCJ Car Finance through us:
Of course! Our mission is to make sure that individuals of all financial backgrounds, including CCJs, get the right car finance.
When you make an application for CCJ Car Finance, we’ll search for an agreement in principle through our panel of preferred lenders. This is including a soft credit check; as such, it will not leave a mark on your credit score. We’re there to make sure you get the best possible chance of acceptance by fitting you with lenders who appreciate your situation.
You have to be 18 years or over and must have at least three years of address history in the UK. If you have CCJ, then some options will be limited. However, we specialise in matching you against second-chance lenders.
We will conduct a soft credit check to find an agreement in principle, and your credit score does not matter at this stage. You can go through your options without feeling concerned.
At Car Finance Today, we all believe that having CCJs does not mean you should not have access to car finance. We make every application bespoke so that even if you have a CCJ, our application will be able to serve you the right finance option to buy an affordable car.
At Car Finance Today, we’re committed to helping improve your situation at a time when accessible car finance is essential for you to get on your feet, to get to work, to look after the family, or simply get you going.
Whether you’re after a family car, a sound commuter vehicle, or something special, we’ll pair you up with just the best deals available from our panel of lenders. Yes, even with a CCJ, we’re determined to find you the right financing deal that will fit your needs.
Our account managers will be committed to taking you through every step of the process, from initial application right through to the final signature. They ensure the process is simple, completely transparent, and hassle-free.
See what questions we receive the most when it comes to car refinancing:
Yes, there can be additional costs if you go over the agreed mileage allowance, but this will be clearly mentioned in your agreement.
It may be possible to terminate early, but there can be fees involved depending on how the lending terms have been set out.
It is preferable to have a good credit rating; however, that is not necessary. We have immense experience in providing car finance for customers with CCJs or other credit problems.
As long as you are within the mileage and conditions agreed upon, you return it without any more costs.
Car finance on benefits Flexible Payments, Tailored Options, and More Opportunities – Explore Benefits-Friendly Car Finance Today! Get a no-obligation quote in under 60 seconds
Joint Car Finance Flexible Payments, Shared Responsibility, and More Options – Enjoy the Benefits of Joint Car Finance! Get a no-obligation quote in under 60
Car Finance with IVA Get flexible solutions tailored for you – find out about the advantages of car finance with an IVA today! Get a
Bad Credit Car Finance Flexible Options, Inclusive Solutions – Drive Your Dream Car Despite Your Credit Score! Get a no-obligation quote in less than 60