Car Finance with a CCJ

Car finance with a CCJ is available through specialist UK lenders who assess affordability and current circumstances rather than credit score alone. Both satisfied and unsatisfied County Court Judgments may be considered, subject to status. The age, value, and resolution status of the CCJ are all factored into the lender's decision.

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Can I get car finance with a CCJ?

Yes — a CCJ does not automatically prevent car finance. Our specialist panel includes lenders who routinely consider CCJs, both satisfied and unsatisfied. The key factors lenders consider are: the age of the CCJ, whether you've satisfied (paid) it, the value, and your current affordability.

Satisfied vs unsatisfied CCJ

Satisfied CCJ means you've paid the debt and the court has been notified. This is viewed more favourably by lenders because it shows the matter has been resolved.

Unsatisfied CCJ means the debt is still outstanding. This doesn't disqualify you — some specialist lenders will still consider your application, particularly if the CCJ is older or the value is modest.

How to improve your chances

• Save a larger deposit (20%+ helps significantly)
• Make sure you're on the electoral roll at your current address
• Show stable employment and income
• Use a soft search first — only one hard search if you proceed
• Be honest about your circumstances upfront

Representative Example

Borrowing £8,495 over 4 years at 19.9% Representative APR, with a £500 deposit, monthly repayments would be £258.42. Total amount payable: £12,404.16. Subject to status and affordability.