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I would like to borrow
£60
To pay back over
3.5 years

Zuto is a credit broker, not a lender. Our rates start from 9.4% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 19.9% the amount payable would be £204 a month, with a total cost of credit of £4,264 and a total amount payable of £12,264.

Zuto Limited. Registered in England under number 05722976. Registered office: Winterton House, Winterton Way, Macclesfield, Cheshire SK11 0LP. Zuto Limited is acting as a broker and not as a lender. Authorised and regulated by the Financial Conduct Authority, registration number 452589. Zuto can introduce you to a limited number of finance providers, based on your credit rating, Zuto won't charge you anything for this service, but do get a fee from the lender which varies based on the product or amount borrowed.

How to get car finance with CCJ?

If you have a County Court Judgement (CCJ) registered against your name, you might be considering if it will negatively affect your ability to get car finance. If you’re asking yourself how to get car finance with a CCJ, the good news is that it won’t rule out the possibility of your application being successful, but you need to change the status of your judgement on the record or get it removed.

How long is a CCJ registered against you?

If you want to apply for car finance and have a CCJ registered against you, it’s important to understand how they work. A CCJ will be registered against your name on the Register of Judgements, Orders and Fines for a term of six years.

When you incurred the CCJ will have a direct impact on whether your application for a car finance agreement is affected. It’s important that you know the dates of your CCJ to determine if it will be relevant in any decisions made regarding you receiving finance.

Paying money owed on a CCJ

If you’ve settled the total amount owed from a CCJ within a month, you can have the judgement against you removed from the Register of Judgements and Fines.

If you have not managed to make payment within the month, it is still possible to get the status of your CCJ altered in the record. By paying after a month, you can have the record marked with “satisfied” within the register.

To get the record altered in this way, you need to get in touch with the court, supplying proof of your payment settling the CCJ. For this service of changing your record, the court will charge you an administration fee for handling the matter. This is usually around £15.

Finance company checks of your personal history

When the finance company comes to look up your personal history, the CCJ will not show up if you paid within one month and it has been removed. If you paid later than a month but contacted the court to have your record marked “satisfied”, the lender will see you have had a CCJ but it will not stand against your application for car finance.

Always remember that even if you have paid your CCJ, if the payment was made outside of a month, you still need to contact the court, prove payment to them, and have your record marked “satisfied” in the register of Judgements and Fines. This will avoid the CCJ having a negative impact on your application for a car finance agreement.

Saving a deposit

If you currently have a poor credit score or have had problems in the past obtaining credit, there are some measures you can take to boost your chances.

Before applying for finance from lenders, try whenever possible to put money for a deposit to one side. Even a seemingly small amount could make the difference between you being accepted for car finance or turned down. By being able to offer a deposit, you can reduce the size of your monthly payments and this increases your personal affordability to the lender or dealership providing finance.

Having a deposit can also assist you in obtaining an improved interest rate for your borrowing.

Qualified assistance on your side

At Car.co.uk, we understand that having a poor credit history or a CCJ can cause difficulties when trying to acquire a car finance agreement. We have access to a range of lenders who specialise in offering finance solutions for a variety of different circumstances. It’s our goal to advise and support consumers across the UK in all matters regarding car finance.

Other related FAQs

Looking for more related content to this? We’ve picked a selection of related topics that you may find helpful

Your access to agreements may be more limited, but it is possible to get car finance with a poor credit history.

Find out more

It may be possible to get car finance if you have an Individual Voluntary Arrangement (IVA) currently in place. To do so, you’ll need to seek the permission of the Insolvency Practitioner dealing with your case.

Find out more

It is not possible to get car finance in the 12 months after being declared bankrupt or until your bankruptcy is discharged through the courts. Getting finance without declaring that your bankrupt is against the law – and could lead to an extension of your bankruptcy.

Find out more

The best way to get car finance with a poor credit rating is to take steps to rebuild your credit history, such as ensuring you’re on the electoral register, making payments on time and using ‘rebuilder’ credit cards.

Find out more

In the short term, applying for a car loan can lower your credit score. However, over time if you make your repayments ontime, it can help you to build your score.

Find out more

Both Equifax and Experian are credit referencing agencies. They use slightly different scales to present your credit rating – but both can provide lenders with some of the information they need to decide whether they’re willing to provide you with car finance.

Find out more

If you make numerous applications for car finance, repeated credit checks can impact your score negatively. Your approach to paying back the loan will decide longer-term credit score effects – but if you pay on time, it could well go up.

Find out more

If you’re refused car finance, find out why. You may need to correct inaccuracies in your credit report or take steps to improve your credit score. You might also want to consider using a guarantor.

Find out more

If you apply for car finance shortly before applying for a mortgage, this can affect your mortgage price. However, if you have a mortgage in place already, it will have no impact.

Find out more

There is no specific minimum credit score needed to finance a car. While your credit score is one factor – lenders will consider a number of different pieces of information; including affordability and the type of vehicle you’re buying.

Find out more
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Car.co.uk is a trading name of New Reg Limited which is Authorised and regulated by the Financial Conduct Authority (FRN: 626225). New Reg Limited is a loan broker and not a lender. The information contained on this website is for editorial purposes only and not intended as financial advice. New Reg Limited has partnered with Autoguard Group for the purpose of offering car warranties in accordance with the terms and conditions documented on the warranty check-out page. Car.co.uk (New Reg Ltd.) is an Introducer Appointed Representative (IAR) of Seopa Ltd.
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