Car Finance and CCJs – a guide

Having a CCJ can make it more difficult to be accepted for car finance – but that doesn’t have to be the end of the road.

What Is a CCJ?

A CCJ stands for County Court Judgment. It is a type of judgment that can be put against you if you fail to pay any debts that you owe.

Before you have a CCJ applied against your name, your debtors must issue you a notice letter, to let you know that they will pursue legal action if the debt is not paid.

The Judgment will state a deadline for repayment and outline how much you owe the creditor.

CCJs are kept on your credit file for six years, even after the debt has been paid off. 

Can Motorly Help me get Car Finance when I have a CCJ?

Having a CCJ on your credit can make it make difficult to get finance. However, you still have options. 

Motorly works with a large panel of lenders who help thousands of customers get car finance with lower credit scores, so you’ve come to the right place. This includes people with CCJs.

Nevertheless, we can’t guarantee that you will be accepted, as everyone’s situation is different. We would need to look at your personal circumstances to see if we can match you to one of our lenders. 

How can I improve my chances of getting finance?

If you have had a CCJ in the past, you are more than likely to have a lower credit score. There are some simple tips that you can implement to improve your credit score. They include:

  • Fix any incorrect information on your credit report
  • Sign up for the electoral roll if you aren’t already.
  • Avoid making multiple credit applications in a short period of time.
  • Make sure all your bills are paid on time.

To find out more go to the Motorly CCJ Car Finance page


    Over 4 Years

    Best available rate
    XX% APR
    Total cost of credit
    Total repayment
    XX Monthly Payments of

    Motorly is a credit broker, not a lender. Rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £5,500 over 48 months with a representative APR of 22.9% the amount payable would be £287 a month, with a total cost of credit of £1406 and a total amount payable of £6906.