TrustScore 4.4 | 14,777 reviews
TrustScore 4.4 | 14,777 reviews
TrustScore 4.4 | 14,777 reviews
TrustScore 4.4 | 14,777 reviews
TrustScore 4.4 | 14,777 reviews
TrustScore 4.4 | 14,777 reviews
TrustScore 4.4 | 14,777 reviews
Having a CCJ can make it harder to get approved for car finance. We are a specialist lender who helps people get car finance with a CCJ.
Having a CCJ can make it harder to get approved for car finance. We are a specialist lender who helps people get car finance with a CCJ.
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Showing our 4 & 5 star reviews
A CCJ (County Court Judgment) is a type of judgment in England, Wales, and Northern Ireland that can be granted against you if you fail to repay any debts you owe. Your creditors will send 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.
A CCJ will remain on your credit report for 6 years after the date it was issued, even if it is satisfied. Having a CCJ can make it difficult to get car finance because a lender may see it as a higher risk to lend to you if you’ve had problems in the past. You might need to use a specialist lender like Moneybarn.
Yes, getting approved for car finance with a CCJ is possible. However, having a CCJ might make it more difficult to be approved. This is because a CCJ shows you’ve had problems repaying your bills in the past and will affect your credit score. You may need to use a specialist lender.
We’ve helped thousands of people across the UK get car finance, even with a CCJ or satisfied CCJ on their credit file. If you’ve been refused car finance, we could help. Better yet, our Conditional Sale agreement means that you’ll legally own the car when you make the final payment.
When you apply, we only use a soft search, this doesn’t affect your credit score. 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.
Find out more about our car finance eligibility checks to see if we can help you.
A CCJ (County Court Judgment) is a type of judgment in England, Wales, and Northern Ireland that can be granted against you if you fail to repay any debts you owe. Your creditors will send 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.
A CCJ will remain on your credit report for 6 years after the date it was issued, even if it is satisfied. Having a CCJ can make it difficult to get car finance because a lender may see it as a higher risk to lend to you if you’ve had problems in the past. You might need to use a specialist lender like Moneybarn.
Yes, getting approved for car finance with a CCJ is possible. However, having a CCJ might make it more difficult to be approved. This is because a CCJ shows you’ve had problems repaying your bills in the past and will affect your credit score. You may need to use a specialist lender.
We’ve helped thousands of people across the UK get car finance, even with a CCJ or satisfied CCJ on their credit file. If you’ve been refused car finance, we could help. Better yet, our Conditional Sale agreement means that you’ll legally own the car when you make the final payment.
When you apply, we only use a soft search, this doesn’t affect your credit score. 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.
Find out more about our car finance eligibility checks to see if we can help you.
To get car finance with a CCJ, you’ll need:
We can finance cars that meet our lending criteria:
To get car finance with a CCJ, you’ll need:
We can finance cars that meet our lending criteria:
If you need vehicle finance, we’ve got you covered. Thanks to our wide network of trusted credit brokers you can sit back and focus on what truly matters.
When you apply with our credit brokers, they will have a range of lenders that could offer you finance including ourselves. To make it simple, they will handle the paperwork, vehicle searching, and everything in between. Credit brokers may charge an administration fee.
If you need vehicle finance, we’ve got you covered. Thanks to our wide network of trusted credit brokers you can sit back and focus on what truly matters.
When you apply with our credit brokers, they will have a range of lenders that could offer you finance including ourselves. To make it simple, they will handle the paperwork, vehicle searching, and everything in between. Credit brokers may charge an administration fee.
A CCJ will appear on your credit file for 6 years from the date it was issued, which can make it harder to get approved. It can also affect your credit score and might mean you have a poor credit score.
However, it’s still possible to get approved for car finance with a CCJ. You might just need to use a specialist lender that helps people with bad credit car finance.
We’ve written a series of guides to help you understand bad credit:
Yes, it is possible to get car finance with a satisfied CCJ. By fully paying the CCJ, you can apply to have it marked as ‘satisfied’. This can make it easier to get credit and might improve your chances of approval.
We have over 30 years of experience helping people who have had financial difficulties in the past.
A default isn’t the same as a CCJ, though both can affect your credit score and make it harder to get car finance. However, it is possible to be approved even if you have CCJs and defaults on your credit report. This may mean you need to use a specialist lender like Moneybarn.
We’ve written a guide that explains defaults in more detail and whether you can get car finance with a default.
A CCJ will appear on your credit file for 6 years from the date it was issued, which can make it harder to get approved. It can also affect your credit score and might mean you have a poor credit score.
However, it’s still possible to get approved for car finance with a CCJ. You might just need to use a specialist lender that helps people with bad credit car finance.
We’ve written a series of guides to help you understand bad credit:
Yes, it is possible to get car finance with a satisfied CCJ. By fully paying the CCJ, you can apply to have it marked as ‘satisfied’. This can make it easier to get credit and might improve your chances of approval.
We have over 30 years of experience helping people who have had financial difficulties in the past.
A default isn’t the same as a CCJ, though both can affect your credit score and make it harder to get car finance. However, it is possible to be approved even if you have CCJs and defaults on your credit report. This may mean you need to use a specialist lender like Moneybarn.
We’ve written a guide that explains defaults in more detail and whether you can get car finance with a default.
Being a Moneybarn customer makes me feel content, I couldn’t ask for anymore. The process was easy and I haven’t been bombarded with emails I don’t need. I have been made to feel valued as a customer – Darren.
Being a Moneybarn customer makes me feel content, I couldn’t ask for anymore. The process was easy and I haven’t been bombarded with emails I don’t need. I have been made to feel valued as a customer – Darren.
There are some things you can do that may help improve your credit score, which can make it easier to get approved for car finance with a CCJ:
You could use a money management app such as Snoop. Snoop is one of our sister companies that helps users track their spending, control their finances, and view their credit score.
There are some things you can do that may help improve your credit score, which can make it easier to get approved for car finance with a CCJ:
You could use a money management app such as Snoop. Snoop is one of our sister companies that helps users track their spending, control their finances, and view their credit score.
Yes, it’s possible to get car finance with bad credit, including a CCJ. Specialist lenders can help people with bad credit finance a car without needing a guarantor.
Whether you need to commute, take your kids to school, or get around day-to-day, we can help you with car finance if you have a CCJ. For more information, look into getting car finance with bad credit and no guarantor.
We also offer joint car finance for people applying with someone they live with.
It’s possible to get car finance with a CCJ, but no lender can guarantee approval. Everyone’s situation is different, so is their eligibility for car finance. Lenders must ensure that car finance is affordable before offering it, so it is not possible to guarantee car finance for people with a CCJ.
We suggest being cautious of anyone claiming to offer this. For more information, see our guide explaining why guaranteed car finance is a myth.
Which type of car finance is best depends on your circumstances and what you want from the finance agreement. While PCP might be best if you prefer flexibility at the end of the agreement, you might prefer a CS agreement if you want to legally own the car and don’t want a large balloon payment at the end.
Find out more about PCP, CS, and other ways of buying a car in our guide to the different types of car finance.
Yes, you can use your current car as a deposit. If it was previously financed and is fully paid off, you can part exchange it and use its value as a deposit for your new car. If your current car is still on finance, whether you can use its value for a new car depends on whether it is in positive or negative equity.
If your car is worth more than the current finance, it is in positive equity. This means you can trade it in, pay off the existing finance, and use the extra money as a deposit for your new car.
If your car is worth less than the finance amount, it is in negative equity. This means you would need to trade it in and pay the difference between its value and the finance amount from your own pocket.
For more information, check out our guide to part exchanging a car on finance.
Yes, it’s possible to get car finance with bad credit, including a CCJ. Specialist lenders can help people with bad credit finance a car without needing a guarantor.
Whether you need to commute, take your kids to school, or get around day-to-day, we can help you with car finance if you have a CCJ. For more information, look into getting car finance with bad credit and no guarantor.
We also offer joint car finance for people applying with someone they live with.
It’s possible to get car finance with a CCJ, but no lender can guarantee approval. Everyone’s situation is different, so is their eligibility for car finance. Lenders must ensure that car finance is affordable before offering it, so it is not possible to guarantee car finance for people with a CCJ.
We suggest being cautious of anyone claiming to offer this. For more information, see our guide explaining why guaranteed car finance is a myth.
Which type of car finance is best depends on your circumstances and what you want from the finance agreement. While PCP might be best if you prefer flexibility at the end of the agreement, you might prefer a CS agreement if you want to legally own the car and don’t want a large balloon payment at the end.
Find out more about PCP, CS, and other ways of buying a car in our guide to the different types of car finance.
Yes, you can use your current car as a deposit. If it was previously financed and is fully paid off, you can part exchange it and use its value as a deposit for your new car. If your current car is still on finance, whether you can use its value for a new car depends on whether it is in positive or negative equity.
If your car is worth more than the current finance, it is in positive equity. This means you can trade it in, pay off the existing finance, and use the extra money as a deposit for your new car.
If your car is worth less than the finance amount, it is in negative equity. This means you would need to trade it in and pay the difference between its value and the finance amount from your own pocket.
For more information, check out our guide to part exchanging a car on finance.
We help people who have been refused by mainstream lenders. Even if you have an CCJ, we could help get the car finance you need.
With lots of different types of car finance available, we’ve written a guide that explains the most common types.
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)
