What is a CCJ?
A CCJ stands for County Court Judgment, a legal order issued by a county court when someone fails to repay the money they owe.
When a CCJ is issued against an individual or business, it means the court has determined they owe a specific amount to a creditor and are legally required to repay it within an agreed timeframe.
Being handed a County Court Judgement (CCJ) is by no means a pleasant experience, and can certainly put stress on your future finances.
However, it's also not something that should stop you from living your life.
When it comes to car finance, having a CCJ can be seen as a bump in the road, but not something that will stop you from obtaining credit altogether.
Important to note
Every car finance application leaves a footprint on your credit file. If you already have a CCJ, making multiple applications in a short period may reduce your chances of approval.
As a broker, we work to match you with lenders best suited to your situation, helping to minimise unnecessary credit checks and improve your chances of success.
Representative Example
This represents an average of the deals that our customers receive on other vehicles
We are a credit broker and a lender. We can introduce you to a limited number of lenders and their finance products. We will provide details of products available, but no advice or recommendation will be made. You must decide whether the finance product is right for you. We do not charge you a fee for our services. Lenders will pay commission to us (either a fixed fee or a fixed percentage of the amount you borrow) for introducing you to them, this may be calculated in reference to a variable factor such as (but not limited to) the vehicle age, your credit score and the amount you are borrowing. Different lenders may pay different commissions for such introductions. Offers available to everyone over the age of 18, subject to credit approval.
