If you have a CCJ and you’re trying to get car finance, you’ll already know that it’s quite a difficult task. You might be wondering if it’s even possible to get car finance with a CCJ. Understanding how your CCJ affects your application could improve your chances of finding a car finance deal.

What is a CCJ?   

A CCJ is a County Court Judgement that is brought against you if you fail to respond to repayments. You receive a CCJ if your debtors (i.e. the people or organisation you owe money to) have issued you a written warning stating the amount you owe and that they will take legal action in the case that it isn’t paid. CCJs are kept on your record for six years, even after you have paid the amount back.

How does a CCJ affect car finance?   

Having a CCJ can make it very difficult to get a car finance agreement. Car finance lenders need reassurance that you will make your repayments and a CCJ makes this less of a certainty. However, your personal circumstances can determine how much your CCJ affects your chances of getting your car finance. In other words: the amount you owed, how much you’ve repaid and how long it’s been since your CCJ all make a difference to the way it’s viewed by a lender. 

How can I get car finance with a CCJ?    

Whilst you can get car finance with a CCJ as an individual, you could also consider finding a guarantor to be part of your application. Having a second party that is financially responsible alongside yourself can improve your chances of being approved. It is important that both you and your guarantor understand that this approach is a big responsibility. Whilst a guarantor car loan is a viable option, it shouldn’t be taken lightly. Read more about Guarantor Car Finance.  

My Car Credit looks at every applicant as an individual. We have a wide panel of lenders who are happy to consider people of all credit ratings and histories. You can conduct a soft search into your credit search, which will let you know where you stand without leaving a mark on your credit report.

Rates from 9.9% APR. Representative APR 12.4%

Evolution Funding Ltd T/A My Car Credit

My Credit Rating


  • You are a home owner
  • You have been on the electoral role for a long period of time
  • You have current credit arrangements and mortgage with no defaults
  • You have no CCJs, credit arrears or missed payments
  • You rarely apply for credit
  • You are employed or self-employed


  • You are on the electoral role
  • You are a home owner or long standing tenant
  • You have a stable employment history
  • You have current credit arrangements with occasional missed payments
  • You have no CCJs


  • You are or have recently been on the electoral role
  • You may have recently changed address
  • You may have occasional missed payments
  • You may have an old CCJ
  • You may have regularly applied for credit


  • You may have had frequent changes in address
  • You may not be traceable on the voters roll
  • You may have exceeded credit card limits
  • You may have missed payments on current agreements
  • You may have had a CCJ in the past


  • You may not be traceable on the voters roll
  • Your credit cards are over their limits
  • You have recent CCJs
  • You may have been refused credit elsewhere
  • You may be in a debt management plan

X monthly repayments of

Typical rate

Loan amount

Total payable




*for illustration purposes only

No impact on your credit score*

Representative Example

Borrowing £7,500 at a representative APR of 12.4%, annual interest rate (fixed) 12.36%, 47 monthly payments of £196.44 followed by 1 payment of £206.44 (incl. estimated £10 option to purchase fee), a deposit of £0.00, total cost of credit is £1,939.12, total amount payable is £9,439.12.

Evolution Funding Limited, trading as My Car Credit, is a credit broker and not a lender.

Please ensure you can afford the repayments for the duration of the loan before entering into a credit agreement.

*Initial application is a soft search. Should you progress, some lenders may perform a hard search on your credit file.

Require more help?

Got a question you can’t find the answer to, or need some advice and guidance around taking out car finance? Our Car Credit Specialists are friendly, experienced, and here to help so get in touch today!