Car finance with CCJ

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Check eligibility with no impact on credit score

Are you dreaming of owning a new car but worried that your County Court Judgment (CCJ) might stand in your way? At Moneyrepublic, we're here to tell you that your dream is closer to reality than you might think. Getting car finance with a CCJ is not only possible, but it's also achievable through our dedicated services. We are an authorised car finance broker in the UK, committed to helping you get behind the wheel of your dream car, regardless of your credit history. Here, we'll walk you through the process and answer all your questions about ccj car finance.

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  • 36months
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  • 48months
  • 60months

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Your estimated examples

These estimates are subject to credit checks, and may change if you do apply for finance.

Loan amount£7,500
Length of Loan60 months
Monthly payment£0
Interest rate9.9% APR
Optional final payment£0
Amount of interest£0
Total payment£0

Can I get car finance with a CCJ?

In short, the answer is yes, you can get car finance with a CCJ. We get that life can be tricky, and sometimes you end up with a CCJ, making it look like you can't get a car. But we're here to make it easy.

Securing car finance with a County Court Judgment (CCJ) might seem challenging, as many lenders tend to be wary of applicants with bad credit, especially if decisions are automated. However, the good news is that it's not a dead-end road. Companies like Moneyrepublic specialize in helping individuals with less-than-perfect credit histories, including those with CCJs, obtain car finance. Our team of experts is well-versed in the applicable laws and regulations, ensuring that you have a legitimate path to car ownership, even with a CCJ in your personal history.

Here's how it works:

  1. Figure Out What You Need: Decide how much money you want to borrow and how long you'd like to take to pay it back. You can use our car finance calculator to see what it'll cost you each month.
  2. Apply Online: Fill out our easy online application form, which is your first step towards getting car finance.
  3. Credit Check: Before we send your application to our lenders, we do a 'soft search' or 'quotation search.' It's a simple credit check that won't hurt your credit score. We check your income and your ability to make monthly repayments, which is important if you have a CCJ.
  4. Submit Your Application: Once we're happy with the soft search results, we pass your application to our lenders. Usually, you'll hear back from them within 24 hours.

Can I get car finance with a satisfied CCJ?

The good news is, while having a satisfied CCJ may make it a bit easier to obtain car finance, lenders may still consider you a higher-risk borrower. At Moneyrepublic, we aim to make the process of obtaining car finance as smooth as possible, and having a satisfied CCJ won't prevent you from driving away in your dream car. We evaluate your application based on your current circumstances and financial stability, not just your past.

Getting car finance with a satisfied CCJ is possible, but it's essential to understand that even a satisfied CCJ can affect your credit score and impact your ability to secure credit. When a CCJ is marked as 'satisfied,' it means you've paid it after the judgment date. This status remains on your credit file for six years from the date of issue.

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Can I get car finance with bad credit and a CCJ?

Yes, it's absolutely possible to secure car finance with bad credit and a County Court Judgment (CCJ). While it may present more of a challenge and limit your options compared to those with good credit, there are lenders who are willing to work with individuals in your circumstances.

Typically, when you apply for car finance, lenders check your credit score to assess your creditworthiness. Having bad credit and a CCJ may signal to them that you pose a higher liability, potentially leading to some hesitancy in approving your application.

We work with a network of lenders and financial institutions that are willing to provide car finance to individuals with bad credit and a CCJ. They take into account factors like your income, employment status, and overall affordability when deciding on car finance options.

Our experienced team is here to assist you in finding a car finance option that suits your budget and unique situation. If you're interested in obtaining a quote, simply complete our online loan application form, and one of our advisers will promptly get in touch. Don't let bad credit and a CCJ deter you from owning a car.

How to get car finance with CCJ?

Getting car finance with a CCJ is a straightforward process when you choose Moneyrepublic. We've simplified the application procedure to make it as efficient as possible for you. Here's how it works:

  1. Application: Start by filling out our easy online application form. It will ask for some basic personal and financial information, which helps us understand your circumstances better.
  2. Evaluation: Once we receive your application, our team of experts will review your details and match you with the most suitable lenders from our network. We take into account your CCJ, credit history, and financial situation to find the best options for you.
  3. Quote: We'll provide you with a tailored car finance quote that suits your budget and requirements. You'll have a clear picture of what you can expect.
  4. Approval: Once you're satisfied with the quote, we'll submit your application to the selected lender. They will review your application and, if approved, provide the necessary funds for your car purchase.
  5. Drive Away: With approval in hand, you can visit your chosen dealership, select your dream car, and drive away with confidence, knowing that your car finance is sorted.

Will CCJ car finance impact my credit score?

A common concern among individuals considering CCJ car finance is how it might affect their credit score. We're here to reassure you that taking car finance through our service can actually have a positive impact on your credit score. Here's how it works:

When you make timely payments on your car finance agreement, it demonstrates responsible financial behavior. These positive payment histories are reported to credit bureaus, which can lead to an improvement in your credit rating over time. So, not only can you secure the car you desire, but you can also work towards enhancing your credit score.

At Moneyrepublic, we believe in helping you achieve your dreams while also improving your financial future. Our services are designed to be beneficial to your present and your tomorrow.

Why US

Choosing Moneyrepublic for your car finance needs, especially with a CCJ, is a smart decision for several reasons:

  • Expertise: We are specialists in the field of car finance, particularly for individuals with challenging credit situations. Our team knows the ins and outs of the industry and is well-versed in the applicable laws and regulations.
  • Lender Network: We have a wide network of lenders and financial institutions that are willing to provide car finance to individuals with a CCJ. Our connections allow us to find the best financial solution tailored to your unique circumstances.
  • Efficiency: Our application process is simple and efficient. We understand that you want to get behind the wheel of your dream car as soon as possible, and we make that happen.
  • Positive Impact: We don't just help you obtain car finance; we also help you work towards improving your credit score. We report your positive payment history to credit bureaus, which can enhance your credit rating.
  • Tailored Solutions: We understand that every individual's financial situation is unique. Our solutions are tailored to your specific needs and budget, ensuring you get a car finance agreement that works for you.
  • Transparency: We believe in open and honest communication. You'll always know what to expect, and there are no hidden fees or surprises in our car finance agreements.
  • Customer-Centric Approach: At Moneyrepublic, you are not just a number. We are dedicated to providing a personal and supportive service. Your dream of owning a car is our priority.

Our Lenders

We work with over 15 lenders offering 100+ HP and PCP deals so that you could have the best offer.



  • What is a CCJ?

    A County Court Judgment, commonly known as a CCJ, is a court order issued by a county court against an individual who owes money to another person or entity. It represents a legal obligation to repay a debt that hasn't been fulfilled. It is a formal decision that you owe a debt and haven't made the necessary payments.

    A CCJ can have a potential negative impact on your credit score and financial situation, making it challenging to secure loans, including car finance. However, at Moneyrepublic, we believe that everyone deserves a second chance, and a CCJ shouldn't be a roadblock to your dreams.

  • How long is a CCJ registered against you?
    A County Court Judgment (CCJ) remains on your credit file for six years from the date it was issued. During this period, lenders and credit agencies can see the CCJ when assessing your creditworthiness.
  • Can I get car finance with CCJs and defaults?
    Securing car finance with CCJs (County Court Judgments) and defaults may be more challenging, but it is possible. These marks on your credit file might make you appear to have bad credit, which could deter some lenders. However, there are specialist lenders who are more willing to work with individuals in these circumstances. They offer car finance options tailored to your specific situation. While approval is not guaranteed and depends on various factors, it's essential to know that there are options available to help you get behind the wheel, even if you have CCJs and defaults on your credit record.
  • Can I get guaranteed car finance with a CCJ?
    While there is no such thing as guaranteed car finance, it is possible to obtain car finance with a County Court Judgment (CCJ). Specialist lenders are more willing to work with individuals who have CCJs on their record, but approval is not guaranteed and depends on various factors.
  • Does a CCJ affect car insurance?
    Yes, a CCJ can affect your car insurance. Car insurance providers often consider your credit score when determining your insurance premium. Having a CCJ on your credit file may result in higher insurance premiums, as it may suggest a higher level of risk to the insurer.
  • How much can I borrow with a CCJ?
    The amount you can borrow with a County Court Judgment (CCJ) on your record depends on several factors, including the specific lender's policies, your individual financial circumstances, and the purpose of the loan. Lenders may be more cautious when offering loans to individuals with CCJs, so the loan amount may be lower, and the interest rates may be higher. With us, you can borrow from £4k to £40k
  • How to avoid a CCJ
    To avoid a County Court Judgment (CCJ), practice responsible financial management by paying bills and debts on time. In cases of financial difficulties, communicate with creditors to find a manageable solution and consider dispute resolution if you believe a CCJ is unjust.
  • Ways to improve your credit file after a CCJ
    To rebuild your credit file after a County Court Judgment (CCJ), make timely payments on financial obligations, demonstrate responsible financial behaviour, consider credit-building products, seek specialist lenders, monitor your credit report, and, if necessary, seek professional advice. With dedication and responsible financial management, you can enhance your creditworthiness and improve your chances of obtaining car finance and other financial products.