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Check eligibility with no impact on credit score
We are a credit broker, not a lender.Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.
Getting car finance with a CCJ is not only possible but 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 guide you through the process and answer all your questions about CCJ car finance.
How it works?
Apply for your loan
To apply for your car finance to borrow money, decide on the amount you need and the loan term. Our lenders will assess your application and provide feedback promptly.
Apply nowReceive the money
If your application is approved, and you get a car finance quote, the funds will be deposited into your account the same day. Use the money towards your car purchase or other expenses.
Pay it back over time
Repay the loan through manageable monthly payments over 1 to 5 years, covering the borrowed amount and interest. Start your application now to access the finance you need for your next car or personal requirements. Apply today for a swift and straightforward process.
Our Lenders
We work with over 15 lenders offering 100+ HP and PCP deals so that you could have the best offer.
Car finance calculator
- 36months
- 42months
- 48months
- 60months
This helps you get a more accurate finance estimate
Not sure about being approved?
Check finance eligibilityWon't affect your credit score
We are a credit broker not a lenderThese estimates are subject to credit checks, and may change if you do apply for finance.
£0/pm
£0/pm
| Loan amount | £7,500.00 |
|---|---|
| Length of Loan | 60 months |
| Monthly payment | £0 |
| Interest rate | 14.9% APR |
| Optional final payment | £0 |
| Amount of interest | £0 |
| Total payment | £0 |
Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.
Can I get car finance with a CCJ?
Yes, you can get car finance with a CCJ. We understand that life can be challenging, and a CCJ might make it seem impossible to get a car. But we are here to simplify the process.
Securing car finance with a County Court Judgment (CCJ) may seem difficult, as many lenders hesitate to approve applicants with bad credit, especially through automated decisions. However, it is not a dead-end. Companies like Moneyrepublic specialise in helping individuals with bad and poor credit histories, including those with CCJs, obtain car finance. Our team of experts understands the applicable laws and regulations, ensuring you have a legitimate path to car ownership, even with a CCJ in your history.
Here's how it works:
- 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. Use our car finance calculator to see your monthly costs.
- Apply Online: Complete our easy online application form to take your first step towards getting car finance.
- Credit Check: Before sending your application to our lenders, we perform a 'soft search' or 'quotation search.' This simple credit check won't affect your credit score. We verify your income and your ability to make monthly repayments, which is crucial if you have a CCJ.
- Submit Your Application: Once we are satisfied with the soft search results, we forward your application to our lenders. Typically, you will receive a response within 24 hours.
What do you need to apply for CCJ car finance
| To apply for car finance you need to | Requirements |
|---|---|
| Your name | Be aged 18-75 years old |
| Date of birth and nationality | Requires initial deposit |
| Your recent address history | Receive a monthly income of £1,000 or above |
| Tour employment status | |
| Your income and expenses | |
Car finance calculator
- 36months
- 42months
- 48months
- 60months
This helps you get a more accurate finance estimate
Not sure about being approved?
Check finance eligibilityWon't affect your credit score
We are a credit broker not a lenderThese estimates are subject to credit checks, and may change if you do apply for finance.
£0/pm
£0/pm
| Loan amount | £7,500.00 |
|---|---|
| Length of Loan | 60 months |
| Monthly payment | £0 |
| Interest rate | 14.9% APR |
| Optional final payment | £0 |
| Amount of interest | £0 |
| Total payment | £0 |
Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.Representative example: borrowing £7,000 over 5 years with a representative APR of 21.9%, the annual interest rate of 21.9% (Fixed) and a deposit of £0, the amount payable would be £185.33 per month, with a total cost of credit of£4,119.81 and a total amount payable of £11,119.81. We look to find the best rate from our panel of lenders and will offer you the best deal that you're eligible for. We receive a fixed fee commission per finance agreement, or we receive a commission based on a percentage of the total amount of finance taken. This will not affect the interest rate offered or the total amount repayable. Our service is free.
Can I get car finance with a satisfied CCJ?
Yes, obtaining car finance with a satisfied CCJ is possible. While lenders may still view you as a higher-risk borrower, Moneyrepublic strives to make the process as smooth as possible. Having a satisfied CCJ won't stop you from driving your dream car. We evaluate your application based on your current circumstances and financial stability, not just your past.
It's important to note that even a satisfied CCJ can affect your credit score and impact your ability to secure credit. A 'satisfied' CCJ means you have paid it after the judgment date. This status stays on your credit file for six years from the date of issue.
Р2 Apply for a CCJ car finance
Looking for a CCJ car finance to buya car of your dream? See if a car loan could be an option for you.
Learn more & applyCan I get car finance with bad credit and a CCJ?
Yes, you can secure car finance with bad credit and a County Court Judgment (CCJ). While it may be more challenging and limit your options, there are lenders willing to work with individuals in your situation.
Typically, when you apply for car finance, lenders check your credit score to assess your creditworthiness. Bad credit and a CCJ may indicate a higher risk, causing some lenders to hesitate.
We collaborate with a network of lenders and financial institutions that provide car finance to those with bad credit and a CCJ. They consider factors like your income, employment status, and overall affordability when deciding on finance options.
Our experienced team is here to help you find a car finance option that fits your budget and unique situation. If you're interested in obtaining a quote, 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 straightforward with Moneyrepublic. We've streamlined the application process for your convenience. Here's how it works:
- Application: Fill out our easy online application form with basic personal and financial information to help us understand your circumstances.
- Evaluation: Our team of experts will review your details and match you with the most suitable lenders from our network, considering your CCJ, credit history, and financial situation.
- Quote: We’ll provide you with a tailored car finance quote that suits your budget and requirements, giving you a clear picture of what to expect.
- 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.
- Drive Away: With approval in hand, visit your chosen dealership, select your dream car, and drive away with confidence, knowing your car finance is sorted.
- Timely payments: Making timely payments on your car finance agreement shows responsible financial behaviour. These positive payment histories are reported to credit bureaus, potentially improving your credit rating over time.
- Financial improvement: Not only can you secure the car you desire, but you can also work towards enhancing your credit score.
Will CCJ car finance impact my credit score?
A common concern about CCJ car finance is its effect on your credit score. We assure you that taking car finance through our service can positively impact your credit score. Here’s how:
Application: Fill out our easy online application form with basic personal and financial information to help us understand your circumstances.
Evaluation: Our team of experts will review your details and match you with the most suitable lenders from our network, considering your CCJ, credit history, and financial situation.
Quote: We’ll provide you with a tailored car finance quote that suits your budget and requirements, giving you a clear picture of what to expect.
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.
Drive Away: With approval in hand, visit your chosen dealership, select your dream car, and drive away with confidence, knowing your car finance is sorted.
Timely payments: Making timely payments on your car finance agreement shows responsible financial behaviour. These positive payment histories are reported to credit bureaus, potentially improving your credit rating over time.
Financial improvement: Not only can you secure the car you desire, but you can also work towards enhancing your credit score.
At Moneyrepublic, we aim to help you achieve your dreams while improving your financial future. Our services benefit both your present and your tomorrow.Why choose us?
Get your car finance online
Get car finance options with no impact on your credit score.
Buy a car from any dealer
Once approved, collect or get your car delivered to you.
Car finance quality assured
We’ll do a thorough vehicle HPI, full-service history and MOT check. Buy with confidence.
FAQ's
- What is a CCJ?
A County Court Judgment (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.
A CCJ can negatively impact your credit score and financial situation, making it challenging to secure loans, including car finance. However, at Moneyrepublic, we believe everyone deserves a second chance. A CCJ shouldn't be a roadblock to your dreams.
- How long has 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 can be challenging, but it is possible. These marks on your credit file might indicate bad credit, deterring some lenders. However, specialist lenders are 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, there are options available to help you get behind the wheel, even with CCJs and defaults on your credit record.
- Can I get guaranteed car finance with a CCJ?
There is no such thing as guaranteed car finance, but 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. However, 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 premium. Having a CCJ on your credit file may result in higher insurance premiums, as it suggests 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 lender's policies, your financial circumstances, and the loan's purpose. Lenders may be more cautious with individuals who have CCJs, so the loan amount might be lower, and interest rates higher.
With us, you can borrow from £4,000 to £40,000.
- How do I avoid a CCJ?
To avoid a County Court Judgment (CCJ), practise responsible financial management by paying bills and debts on time. If you face financial difficulties, communicate with creditors to find a manageable solution. If you believe a CCJ is unjust, consider dispute resolution.
- What are the 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 regularly.
- Seek professional advice if necessary.
With dedication and responsible financial management, you can enhance your creditworthiness and improve your chances of obtaining car finance and other financial products.