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A CCJ refers to a County Court Judgment whereby a creditor has taken you to court over unpaid debt. This may include:
If you pay off a CCJ in full within 30 days of receiving the judgment, you can apply through the court to have it removed; otherwise it will remain on the Register for six years. Once paid, this will be noted as "satisfied" or "unsatisfied" if unpaid.
FIND OUT MOREHaving a CCJ on your credit profile can make it more difficult to get car finance, but doesn’t mean it's the end of the road. As one of the UK's leading car finance specialists, Quick Car Finance might be able to help!
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If you have had a CCJ, you will need to demostrate a regular income and that you can afford to make consistant monthly payments. You may be charged a slightly higher monthly rate for your car finance, to reflect the potential risk to lender.
You may need to pay a slightly higher deposit than usual, to show your commitment to purchasing the vehicle. If your are part-exchanging a vehicle and it is in good condition, you can trade this in and it can set-off some of deposit or the monthly repayments.
The team at Quick Car Finance, have a lot of experience with people of all backgrounds and circumstances including CCJ'S. Having over 164 different options available, we will always do our best to place you with one of our trusted lenders.
Use our Car Finance Calculator to get an idea of what your agreement might look like, based on how much you are looking to borrow over a time period that suits you. By using our Car Finance Calculator, you'll be able to see what your monthly payments might look like so you can see how it might fit into your personal budget.
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Yes! There are a number of car finance lenders who are willing to take a view on people with CCJ’s and defaults. The longer ago the CCJ was enforced, the less likely a lender will take it in to a count as this shows you have been enable to payback the owed amount. If you have shown to payoff your CCJ and have a regular and stable income, the lender can see that your credit is improving, increasing your chance of an acceptance.
