What is a CCJ?
A County Court Judgment (CCJ) is issued when a debt remains unpaid and legal action is taken by a creditor. If not settled promptly, a CCJ can remain on your credit file for several years.
During this time, lenders may view applications as higher risk, particularly if the CCJ is recent or remains unpaid.
Can lenders still consider my application?
Yes — some UK lenders will assess applications that include CCJs, particularly where the CCJ is older, has been settled, or your financial circumstances have improved.
Lenders may also consider factors such as affordability, income stability, and recent payment behaviour rather than focusing solely on the CCJ itself.
How BadCreditCarFinance helps
- Access to lenders experienced with CCJs
- Applications assessed based on affordability and current circumstances
- We act as a credit broker, not a lender
- No obligation to proceed with any offer
Our role is to help explain your options clearly and to match you with lenders whose criteria may suit your situation.
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Submitting a short enquiry allows us to assess your situation and explain what car finance options may be available.
There is no obligation, and applying will not affect your credit score.
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