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CCJ car finance

Having a CCJ can make it harder to get approved for car finance. We’re a specialist lender that considers applications for car finance with a CCJ.

Get a quote

CCJ car finance

Having a CCJ can make it harder to get approved for car finance. We’re a specialist lender that considers applications for car finance with a CCJ.

Get a quote

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Very helpful and friendly

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Straightforward and easy to ...

Straightforward and easy to communicate with

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Showing our 4 & 5 star reviews

Excellent

4.5 out of five star rating on Trustpilot

Based on 12,128 reviews

5 out of five star rating on Trustpilot

Verified

The customer service was ver...

The customer service was very good.

Donna Mcknight, 16 hours ago

5 out of five star rating on Trustpilot

Verified

All sorted through my broker...

All sorted through my brokerage: Carfinance247, very pleased with docu...

Charlotte Brownett, 1 day ago

5 out of five star rating on Trustpilot

Verified

Very helpful and friendly

Very helpful and friendly

Alison Ney, 2 days ago

5 out of five star rating on Trustpilot

Verified

Straightforward and easy to ...

Straightforward and easy to communicate with

Martin Spencer, 2 days ago

Showing our 4 & 5 star reviews

What is a CCJ?

A CCJ (County Court Judgment) is a type of judgment that exists in England, Wales, and Northern Ireland that can be granted against you if you fail to repay any debts that you owe. Your debtors are required to issue you a warning letter 14 days before a CCJ is issued, to let you know that you need to repay what you owe or they will pursue legal action.

The judgment will state a deadline for repayment and outline how much you owe and how you will need to pay it. CCJs are kept on your credit record for six years, even after you have paid back the amount you owe. Having a CCJ on your credit file can make it difficult to get car finance. This is because a lender may see it as a higher risk to lend to you because you’ve missed payments in the past.

Can I get car finance with a CCJ?

Having a CCJ on your credit file can make it harder to get car finance. If you’re dealing with bad credit because of a CCJ, you might have been refused for car finance by mainstream lenders. In that case, a specialist lender like Moneybarn might be able to help.

We’ve helped thousands of people up and down the UK get car finance, even with a CCJ or satisfied CCJ on their credit file.

When you get a quote, we only use a soft credit search on your credit file. This doesn’t affect your credit score and will tell you whether or not we could help. A hard search is only done if you decide to enter into an agreement with us, and contracts are drawn up for you to sign.

What is a CCJ?

A CCJ (County Court Judgment) is a type of judgment that exists in England, Wales, and Northern Ireland that can be granted against you if you fail to repay any debts that you owe. Your debtors are required to issue you a warning letter 14 days before a CCJ is issued, to let you know that you need to repay what you owe or they will pursue legal action.

The judgment will state a deadline for repayment and outline how much you owe and how you will need to pay it. CCJs are kept on your credit record for six years, even after you have paid back the amount you owe. Having a CCJ on your credit file can make it difficult to get car finance. This is because a lender may see it as a higher risk to lend to you because you’ve missed payments in the past.

Can I get car finance with a CCJ?

Having a CCJ on your credit file can make it harder to get car finance. If you’re dealing with bad credit because of a CCJ, you might have been refused for car finance by mainstream lenders. In that case, a specialist lender like Moneybarn might be able to help.

We’ve helped thousands of people up and down the UK get car finance, even with a CCJ or satisfied CCJ on their credit file.

When you get a quote, we only use a soft credit search on your credit file. This doesn’t affect your credit score and will tell you whether or not we could help. A hard search is only done if you decide to enter into an agreement with us, and contracts are drawn up for you to sign.

To get car finance with a CCJ, you’ll need: 

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

We can finance cars that meet our lending criteria:

  • Priced between £4,000 – £35,000
  • Maximum of 100,000 miles on the clock
  • No older than 13 years at the end of the agreement

To get car finance with a CCJ, you’ll need: 

  • Monthly earnings over £1,000 (after tax)
  • To be aged between 20 and 75
  • A full valid UK driving licence
  • 2 consecutive months of payslips

We can finance cars that meet our lending criteria:

  • Priced between £4,000 – £35,000
  • Maximum of 100,000 miles on the clock
  • No older than 13 years at the end of the agreement

If you don’t have a car in mind right now, don’t worry. We can guide you through the process of finding the right car. Apply today and see if we could help.

If you don’t have a car in mind right now, don’t worry. We can guide you through the process of finding the right car. Apply today and see if we could help.

CCJ car finance calculator

Summary

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Representative 35.5% APR

Get a quote

CCJ car finance calculator

  • Monthly payment: £000.00
  • Total to repay: £00,000.00
  • Calculated APR: 00.0%

Get a quote

Representative 35.5% APR

I don’t have the best credit, and have had a CCJ in the past. Luckily Moneybarn were able to take all my information into account and looked past my credit score. They gave me the opportunity to have a nice car, but more importantly my independence – Leah.

Leah in her car financed by Moneybarn
Leah in her car financed by Moneybarn

I don’t have the best credit, and have had a CCJ in the past. Luckily Moneybarn were able to take all my information into account and looked past my credit score. They gave me the opportunity to have a nice car, but more importantly my independence – Leah.

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

A CCJ will show on your credit file for six years from the date it was issued, which can make it difficult to get credit. But don’t worry. We understand that your credit score doesn’t change the fact you need a reliable car to get around. We’re experts in helping people with bad credit get car finance.

There are also some things you can do that might improve your credit, and increase your chances of getting car finance even with a CCJ.

If you find you’re struggling to make your repayments, speak to a free debt adviser. They can help you make an offer to your creditors and explain the options available to you.

There are also some things you can do if you already have a CCJ. We’ve written a series of guides to help you understand your credit score:

Can I get car finance with a satisfied CCJ?

Should you end up with a CCJ there are a few ways you may be able to get it ‘set aside’. These include if the judgment has been paid before the court date, or if you are able to repay within one month of the CCJ being issued.

After that time, if you fully pay the CCJ more than a calendar month after the judgment date, you can apply to have it shown as ‘satisfied’. For more information about what this means, please see our guide that explains what a CCJ is, and how to get a CCJ ‘set aside’ or ‘satisfied’ depending on your circumstances.

Having a satisfied CCJ will still affect your credit score, but it might make it easier to get car finance. Lenders may still see you as riskier to lend to, but a specialist lender like Moneybarn could help.

How to apply for car finance with a CCJ

You could start by using our car finance calculator to get an idea of what your agreement might look like, based on how much you are looking to borrow. The calculator will show you what your monthly repayments might look like so you can see how it might fit into your personal budget.

We’re proud to offer car finance across the UK, including Northern Ireland. Even if you have a CCJ and are looking for car finance, we could help.

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

A CCJ will show on your credit file for six years from the date it was issued, which can make it difficult to get credit. But don’t worry. We understand that your credit score doesn’t change the fact you need a reliable car to get around. We’re experts in helping people with bad credit get car finance.

There are also some things you can do that might improve your credit, and increase your chances of getting car finance even with a CCJ.

If you find you’re struggling to make your repayments, speak to a free debt adviser. They can help you make an offer to your creditors and explain the options available to you.

There are also some things you can do if you already have a CCJ. We’ve written a series of guides to help you understand your credit score:

Can I get car finance with a satisfied CCJ?

Should you end up with a CCJ there are a few ways you may be able to get it ‘set aside’. These include if the judgment has been paid before the court date, or if you are able to repay within one month of the CCJ being issued.

After that time, if you fully pay the CCJ more than a calendar month after the judgment date, you can apply to have it shown as ‘satisfied’. For more information about what this means, please see our guide that explains what a CCJ is, and how to get a CCJ ‘set aside’ or ‘satisfied’ depending on your circumstances.

Having a satisfied CCJ will still affect your credit score, but it might make it easier to get car finance. Lenders may still see you as riskier to lend to, but a specialist lender like Moneybarn could help.

How to apply for car finance with a CCJ

You could start by using our car finance calculator to get an idea of what your agreement might look like, based on how much you are looking to borrow. The calculator will show you what your monthly repayments might look like so you can see how it might fit into your personal budget.

We’re proud to offer car finance across the UK, including Northern Ireland. Even if you have a CCJ and are looking for car finance, we could help.

Get a quote today
Get a quote today

Car finance with CCJs and defaults

A default isn’t quite the same thing as a CCJ, but both can affect your credit score and make it harder to get car finance.

We’ve written a guide that explains whether you can get car finance with a default. If you have a CCJ and default on your credit file, it can make it difficult.

We understand that keeping to your monthly budget is essential. Not only can we help with CCJ finance for your new car, but we will also work with you to find a monthly repayment that is affordable for you.

CCJ car finance with no guarantor

If you have bad credit and a CCJ, you may be looking for car finance with no guarantor. Some finance companies might require you to use a guarantor if you have bad credit.

We don’t offer guarantor car finance at Moneybarn, but we might still be able to help if you have bad credit. For example, have you considered making a joint car finance application? This is where you apply with someone that you live with, using their details to support your application.

We also specialise in helping people who have been refused by other lenders get the car they need. Whether it is to commute to their job, take their kids to school, or get around day to day. If you’re ready, then get a quote today and see if we could help you.

Can I get guaranteed car finance with a CCJ?

If you have a CCJ, you might think it is impossible to get car finance. You might have heard lenders offer guaranteed car finance with a CCJ. This doesn’t exist.

Everyone is different, and so is everyone’s eligibility for car finance. A responsible lender looks at lots of different factors to make sure any car finance they offer is affordable for your circumstances. No lender can guarantee you car finance with a CCJ, because they have to make sure they only offer finance to people who can afford it.

This is why you should be wary of anyone claiming to offer this. Please see our guide that explains why guaranteed car finance is a myth to learn more.

Car finance with CCJs and defaults

A default isn’t quite the same thing as a CCJ, but both can affect your credit score and make it harder to get car finance.

We’ve written a guide that explains whether you can get car finance with a default. If you have a CCJ and default on your credit file, it can make it difficult.

We understand that keeping to your monthly budget is essential. Not only can we help with CCJ finance for your new car, but we will also work with you to find a monthly repayment that is affordable for you.

CCJ car finance with no guarantor

If you have bad credit and a CCJ, you may be looking for car finance with no guarantor. Some finance companies might require you to use a guarantor if you have bad credit.

We don’t offer guarantor car finance at Moneybarn, but we might still be able to help if you have bad credit. For example, have you considered making a joint car finance application? This is where you apply with someone that you live with, using their details to support your application.

We also specialise in helping people who have been refused by other lenders get the car they need. Whether it is to commute to their job, take their kids to school, or get around day to day. If you’re ready, then get a quote today and see if we could help you.

Can I get guaranteed car finance with a CCJ?

If you have a CCJ, you might think it is impossible to get car finance. You might have heard lenders offer guaranteed car finance with a CCJ. This doesn’t exist.

Everyone is different, and so is everyone’s eligibility for car finance. A responsible lender looks at lots of different factors to make sure any car finance they offer is affordable for your circumstances. No lender can guarantee you car finance with a CCJ, because they have to make sure they only offer finance to people who can afford it.

This is why you should be wary of anyone claiming to offer this. Please see our guide that explains why guaranteed car finance is a myth to learn more.

Refused car finance

We work to help out people who have been refused car finance elsewhere, looking at a range of criteria and trying to provide bespoke car finance offers to meet their needs wherever possible.

Refused car finance

Our application process

We use a soft credit search which means you’ll get a decision, and it will have no effect on your credit score. The search will only show on your credit file if you take out an agreement with us.

Our application process

How does car finance work?

Getting a new car can be a stressful time. With lots of different types of car finance available, we’ve written a guide that answers the most common questions.

How does car finance work?

For a better road ahead

Moneybarn is a member of the Finance and Leasing Association, the official trade organisation of the motor finance industry. The FLA promotes best practice in the motor finance industry for lending and leasing to consumers and businesses.

Moneybarn is the trading style of Moneybarn No. 1 Limited, a company registered in England and Wales with company number 04496573, and Moneybarn Limited, a company registered in England and Wales with company number 02766324. The registered address for these companies is: Athena House, Bedford Road, Petersfield, Hampshire, GU32 3LJ.

Moneybarn’s VAT registration number is 180 5559 52.

Moneybarn Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702781)

Moneybarn No. 1 Limited is authorised and regulated by the Financial Conduct Authority (Financial Services reference No. 702780)

sub prime-lender year award
National Credit Winner
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© Copyright 2023 Moneybarn Limited
© Copyright 2023 Moneybarn Limited

Representative example: Total amount of credit £10,460. Repayable over 58 months, 57 monthly payments of £351.13. Representative 35.5% APR (fixed). Deposit of £910.55. Total charge for credit £9,554.41. Total amount payable £20,924.96. Subject to status and affordability. You could risk losing your vehicle if you do not keep up payments.