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Car finance with a CCJ
A County Court Judgment on your credit file makes high-street finance harder, but it does not automatically mean no. Specialist lenders consider CCJs every day, and what matters most is the detail: how old the judgment is, whether it is satisfied, and what your affordability looks like now.
- FCA-authorised credit brokerNot a lender · FRN 954552
- No credit check until you say soSoft search only, no impact on your score
- Real dealership in KirkhamBlackpool Road, PR4 2RE · open 7 days
- Family-run, 30+ years in the tradeSpeak to the people who supply the car
- Collect from KirkhamDelivery may be available
Customers with CCJs on file collect cars from our Kirkham forecourt regularly. Not all of them, but far more than an automated decline would suggest.
What lenders actually look at
- Age of the CCJ. A judgment from four years ago reads very differently from one issued last month. CCJs stay on your file for six years.
- Satisfied or unsatisfied. A satisfied CCJ (paid in full) helps. If you paid within a month of the judgment you can apply to have it removed from the register altogether.
- Your situation today. Steady income and sensible outgoings count for a lot, whatever the file says about the past.
- The size of the payment. A smaller loan on a cheaper car is very often the difference between a decline and an approval.
What we do differently
We are a dealership first. Rather than pushing your application everywhere and hoping, we look at your circumstances, approach the lenders on our panel who genuinely consider CCJs, and help you pick a car from the forecourt that fits the budget a lender is likely to approve. Sending our form runs no credit check: we call you first, and any eligibility check after that is a soft search run only with your agreement.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. We only run a soft-search eligibility check after we have spoken to you and you have agreed to it. A soft search does not affect your credit score and is not visible to other lenders. We are a credit broker, not a lender.
Three straightforward steps
No pressure at any point, and you are free to stop whenever you like. A hard credit search only ever happens at full application, and we will tell you before it does.
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Tell us where you stand
A short form, about two minutes. Sending it does not run any credit check by itself and puts you under no obligation.
No credit check at this stage -
We call you before anything is searched
A person reads your enquiry and phones you. Only once you have agreed do we run a soft-search eligibility check with lenders on our panel who consider adverse credit. A soft search leaves no footprint and other lenders cannot see it.
Invisible to other lenders -
We come back with honest options
Real figures on real cars from our Kirkham forecourt, or a straight explanation if we cannot help right now. You choose whether to go ahead.
Collect from Kirkham or ask about delivery
Work out a monthly figure you are comfortable with
£250.96 / month (illustrative)
These figures are illustrative only and not an offer of finance. They use the representative APR; your rate and payment depend on your circumstances and the lender's decision. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
Cars available on finance
*Estimated monthly figures are illustrative, based on the representative example in the footer.
Can I get car finance with an unsatisfied CCJ?
Sometimes, yes. It depends on the amount, its age and your current affordability. A satisfied CCJ improves your chances. Finance is subject to status and lender approval.
Does applying make my CCJ situation worse?
No. Sending us your details does not run a credit check. We call you first, and the eligibility check we then run with your agreement is a soft search that does not affect your score. A full application involves a hard search, and we will always tell you before that happens.
How recent is too recent?
There is no universal rule. Some lenders want six months' distance, others look at the whole picture. The only way to know is to check, and a soft search costs you nothing.
Our promise: we will tell you if we cannot help, and why. No one can guarantee car finance, and anybody who says otherwise is selling you something.
Two minutes. Soft search. Straight answer.
Tell us where you stand. It takes about two minutes, sending the form does not run a credit check by itself, and there is no obligation.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.