How long a CCJ, default or IVA stays on your file
The six-year rule, when the clock starts for each entry, and the one case where a CCJ can come off early.
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Car finance guides, in plain English
Straight answers to the questions we are asked every week at the Kirkham dealership: how long entries stay on your file, what paperwork lenders want, and which kind of finance suits you.
Documents you need for car finance
A checklist for employed, self-employed and benefit income, plus what to bring if you have a part-exchange.
HP or PCP with bad credit
How each one works, what happens at the end, and why most people with adverse credit are offered HP.
How to check your credit file for free
Experian, Equifax and TransUnion, what to look for before you apply, and how to fix mistakes.
Car finance after bankruptcy or a DRO
The £500 borrowing rule, what changes after discharge, and how to rebuild before you apply.
Joint car finance applications
How joint finance links your credit files, whether it helps, and the alternatives to consider.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. These guides are general information, not personal financial advice. For free, impartial debt advice, contact MoneyHelper, StepChange, National Debtline or Citizens Advice.
By situation
Car finance for your circumstances
- Car finance with a CCJSatisfied or unsatisfied
- Car finance with an IVADuring or after
- Car finance with defaultsThe most common case we see
- Missed payments and arrearsLate payments on your file
- Car finance on a DMPDebt management plans
- Refused elsewhereOne no is not every no
- Self-employedVariable income understood
- Income from benefitsWhat lenders can consider
- No-deposit car financeAnd part-exchange instead
- Soft-search explainedCheck without the footprint
Soft search · no pressure
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Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.