At Concept Car Credit, we’ve helped 30,000+ people drive away in a new car, many of whom had a CCJ or had poor credit histories.
Yes, and we’re here to help you. Getting car finance with a County Court Judgment (CCJ) doesn’t happen automatically and depends on your current financial situation. However, it is possible, and we help people with it every day.
Our panel of nine specialist lenders assess your current financial position. This includes your income, your job stability and what you can comfortably afford to borrow.
When applying for CCJ car finance, we start with a soft search on your credit history to check your initial eligibility. This doesn’t leave a mark on your credit score. If we go ahead with a lender’s offer, we’ll perform a hard search.
We’re a family business based in Radcliffe just off the M60, and we’ve been helping people in Manchester and around the North West get finance for used cars since 2004.
We work with a panel of lenders that understand bad credit car finance, including options for people with CCJs, so you have a better chance of finding a deal you can afford.
We’ve seen people in all kinds of financial situations over the years. One CCJ, multiple CCJs, IVAs, defaults – we know what’s possible when it comes to used car finance and we’ll always tell you honestly.
We’ve helped a lot of people who were unsure whether they’d get approved for used car finance because of a CCJ or other patch on their credit report.
We’ll work with your budget and work on a finance deal that works around your circumstances.
Get approved, choose your car and in many cases drive it home on the same day you apply.
Every car we sell is fully serviced and safety-checked. You’ll get a full vehicle inspection report before you commit.
For illustration purposes only. The rate and payment you may be offered will be based on your individual circumstances.
Concept Car Finance Limited is a credit broker, not a lender. Credit is subject to status.
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at 14% APR
Vehicle Price: £0.00
Deposit: £0.00
Amount to Finance: £0.00
APR: 0.00%
Admin fee: £10
Total Cost of Credit: £0.00
Total Repayable: £0.00
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A CCJ is recorded either as “satisfied” or “unsatisfied”. Both appear on your credit file and can affect what a lender might offer you, but they’re not treated the same.
A CCJ is marked as satisfied when you’ve paid off the debt it relates to, and this works in your favour with lenders. You’ve proven you’ve dealt with the problem and, if you paid the full amount within one calendar month of the judgement, you can apply to have it removed from your credit report.
This is when you haven’t paid the debt back yet. It makes getting car finance trickier, but it’s not impossible. Your chances will depend on the amount owed, how long ago the CCJ was issued and your current financial position. If you’re in this situation, contact us, and we’ll go through your situation in detail.
Fill out our quick form; we’ll run a soft search to check your eligibility, and you’ll get a fast decision on whether we can help.
Once we’ve found you a finance plan you can afford, come and see us at our showroom in Manchester. We’re just off the M60 so you can’t miss us. We’ve got more than 200 cars on site, all fully serviced and safety checked, ready to be driven away.
Just sign the paperwork, provide the necessary documents and in most cases you can drive away the same day.
For the best car finance deals, shop used cars on finance with Concept Car Credit.
We also offer young drivers car finance and student car finance – find out more by calling 0800 093 3385
There’s no way of guaranteeing every application will be approved, but whatever CCJ you have, or what your credit report says, there are some things you can do to improve your chances of financing:
If your situation is a bit more complicated or you’re concerned because you’ve been turned down before, just get in touch with us. We’ve helped many people in similar situations to you dealing with CCJs, defaults and IVA car finance. Just tell us honestly what’s going on and we’ll be able to give you a straight answer on your next best steps.
A CCJ only needs to be a step back in getting used car finance. We’re good at finding options where others have turned you down. Apply online by completing our online form. It doesn’t affect your credit score and if we can help, you’ll know quickly.
A County Court judgment is a legal order issued in England, Wales or Northern Ireland when a debt hasn’t been repaid and stays on your credit file for six years. But this is just one part of your financial history. There’s also your income, employment, and how you’re managing your money now, which all matter too.
For more than 20 years, we’ve been helping drivers with CCJs and checkered credit histories get access to finance for a used car because we know the difference between someone who’s a credit risk and someone who’s had a rough patch.
Not always.
Some of our lenders will approve applications without a deposit if your income shows you can comfortably make your repayments and your CCJ is satisfied. It’s just worth remembering that even a small deposit can make your finance more affordable.
Yes, if you’re self-employed you’ll be assessed on your income over the last 12-14 months.
You’ll need proof like tax returns, SA302 forms or bank statements. As long as you have a stable income and can afford the repayments, self-employment won’t stop you getting finance.
It can if you make every repayment on time.
This adds positive payment history to your credit file which, over time, improves your position for other lenders.
We’ve helped thousands of people whose credit history is more complicated than a single CCJ.
If you’ve got any other issues or things you’re concerned about, get in touch and we’ll assess your situation and let you know what’s realistic.
Yes, a CCJ doesn’t rule out a car loan, and finding finance for people with CCJs is what we do every day.
When most people search for a car loan, they mean a way to spread the cost of a car over monthly payments, and that’s what we arrange through our panel of nine specialist lenders. You choose your car from our showroom, and the finance is set up for that car, with the lender looking at your income, your job stability and what you can comfortably afford alongside your CCJ. We start with a soft search, so finding out whether you’re eligible won’t affect your credit score.
No, our lenders assess your application on your own income, job stability and what you can comfortably afford, so you don’t need anyone to guarantee the finance for you.
If you’re worried your CCJ will count against you, having it satisfied and being able to show a stable income will do more for your application than a guarantor would. Our soft search lets you check where you stand without it affecting your credit score. Call 0800 093 3385 for more information.
