Autedia is a credit broker, not a lender. We partner with CarFinance 247 Limited, a credit broker (not a lender), to help find you the best car finance deal for your circumstances from their wide panel of lenders.

Representative example: borrowing £6,500 over 5 years with a representative APR of 29.9%, an annual interest rate of 29.9% (Fixed) and a deposit of £0.00, the amount payable would be £196.34 per month, with a total cost of credit of £5,280.14 and a total amount payable of £11,780.14.

How car finance works through Autedia

Get a quote

Complete our short application form and find out if you’re eligible for a car loan in minutes.

Meet your account manager

Here to help every step of the way – look out for their call! You can chat over text or WhatsApp too.

Choose a car

Whether you’re looking for a hot hatch or a chic supermini, explore over 100k used cars in the car search or find your dream wheels from any reputable UK dealer.

Hit the road!

You set the pace; tell us exactly what you’re looking for and we’ll handle the rest. You could be driving away in days!

What is a CCJ?

The courts can issue a  County Court Judgement (England, Wales and Northern Ireland) against someone for non-payment of a debt. The equivalent in Scotland is a Money Judgment decree.

A CCJ may be registered against you if your creditor believes you won’t repay the money you owe them. Assuming the courts agree with your creditor, you’ll receive a judgement requesting you pay up.

Failure to settle the debt and your CCJ will be added to the Judgements, Orders, and Fines register, a public list.

The CCJ will remain on your credit file for six years even if you have repaid the debt.

If you have a CCJ and want to buy a car, you’ll likely need to apply for bad credit car finance. Your credit history may improve over time if you settle the debt.

Why should you choose Autedia for your car finance?

Large panel of lenders

We’ll look to find you the best available deal from a wide panel of lenders.

No effect on credit score

Get a no-obligation quote that won’t affect your credit score unless you choose to proceed.

Total flexibility

HP, PCP, no deposit? We work with lenders that can offer it all – and we consider all circumstances.

Access to more than 100,000 cars

Get access to a car search with over 100k quality used cars stocked by trusted dealers all over the UK.

Dedicated account manager

Get support from a dedicated account manager who'll guide you through the process, take care of all the checks, and handle the paperwork.

Can I get Car Finance with a CCJ?

Although getting car finance with a chequered financial past can be problematic, it’s not impossible, and there could be a deal for you!

Many of us have gone through a cash crisis at some time in our lives. However,  credit penalties such as a CCJ, default or an IVA do not need to rule you out of getting car finance.

Drivers still need to finance a car, and some lenders specialise in offering deals, including bad credit car finance, for those with a CCJ on their credit file. These lenders look past your credit score and consider things like affordability and other criteria in deciding if you are eligible for car finance.

So, can you get car finance with bad credit history and a CCJ? Read on to see how best to do so.

Car Finance Calculator

5 years
Total cost of credit2,125.46
Total repayment8,625.46
60 monthly
payments of

Rates from 8.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: borrowing £6,500 over 5 years with a representative APR of 29.9%, an annual interest rate of 29.9% (Fixed) and a deposit of £0.00, the amount payable would be £196.34 per month, with a total cost of credit of £5,280.14 and a total amount payable of £11,780.14.

Can I get Car Finance with a CCJ?

Lenders seeing an unpaid CCJ on your credit report will not offer you car finance. However, paying back the total amount to the claimant at any time will earn you a Satisfied mark on your credit file, significantly improving your chances of getting car finance.

These are the potential circumstances you might be experiencing with a CCJ:

  • A CCJ will not go on record if you pay the total amount within one calendar month of the issue date— however, remember you probably incurred defaults in connection with the CCJ, which remains on your file for six years.
  • Suppose you pay the whole amount of the CCJ but more than a calendar month after the judgment date. You can limit the damage. Applying to have the CCJ marked as ‘Satisfied’ on your credit file will look better than remaining unpaid.
  • Partially Satisfied! Although the claimant may accept a lower settlement than the original judgment amount, the court will keep the CCJ marked as Active. You’ll have to pay the total amount to change it to Satisfied.
  • When the CCJ reaches six years, it will no longer appear on your credit report even if you haven’t paid.


Having bad credit because of a CCJ will make getting car finance more difficult. You’ll likely get refused car finance by most car lenders. Hopefully, we can find you a car finance deal to suit your situation.

How can I avoid a CCJ?

The sooner you act, the more likely you are to avoid receiving a CCJ:

  • First, you’ll speak with your creditors to be calm and sincere. Your goal is to get their agreement to allow you to continue making payments and avoid court proceedings via a CCJ.
  • Second. You must make payments as agreed. If possible, paying your debts earlier than agreed will demonstrate to lenders that you’re serious about clearing the debt and can only help improve your credit. When using savings to reduce your debts, be careful and ensure you retain sufficient funds for a rainy day.

Once you receive a CCJ, you have two options to avoid this going on your credit file. Either pay before the court date or pay off the total amount within one month of the CCJ issue date.

If you struggle to repay debts, you can always talk to a free debt manager such as Money Helper. Speaking to an experienced debt advisor can help you understand your options and make the best decision.

Apart from a CCJ what other default penalties can impact your credit report?

These are the most common default penalties that affect your credit score.

Managing your budget with a CCJ

Ensuring a consistent income is essential when you have credit problems and likely need a decent car to travel to work. However, with a CCJ, you may struggle to get approval for car finance.

We understand affordability is crucial, and keeping to a monthly budget you can afford is a necessity. We’d ensure any car finance we offer suits your circumstances and that the repayment period fits your budget.

Rates from 19.9% APR. Representative APR 29.9%

How to apply for car finance with a CCJ

Using our car finance calculator, enter the amount you’d like to borrow over a period that suits you. The calculator displays an idea of the monthly repayments and helps you see how it might work in your budget. Alternatively, apply for a quote for CCJ car finance now with No effect on your credit score.

Will I get car finance with CCJ?

The problem might not be whether you can get car finance with a CCJ but can you afford the repayments. CCJ car finance offers have a significantly higher APR than drivers with a better credit history.

With higher interest rates and fewer lenders providing CCJ car finance, you might think finding a deal to suit your circumstances will be difficult. However, with several lenders specialising in CCJ car finance, we can hopefully find a deal that matches your affordability.

Before accepting a quote for CCJ car finance, ensure you can provide all the documentation and details the lender request and don’t get a decline through lack of preparation. Lenders carry out an affordability check to determine the risk and how likely you are to make the repayments.

Applications for CCJ car finance do get approval; however, adding a guarantor or a joint application (someone to make the payments if you cannot) will significantly increase your chances of getting a car loan.

Rates from 19.9% APR. Representative APR 29.9%

FAQs - Car Finance with a CCJ

How long is a CCJ registered against you?
CCJs remain on the public register for six years from the date of judgment. If you’re unsure of the date, you can always check on the Register of Judgments database There is a fee.

What is a DMP - Debt Management Plan?

A DMP is an informal arrangement with creditors, usually managed by a financial company. You could set up a DMP yourself if you feel confident with the help of someone like Step Change, a debt charity. A Debt Management Plan organises your debts by allowing repayments over a longer term to reduce your monthly outgoings. Most creditors will likely agree to stop interest and charges, but they don’t have to and may still take action against you, such as a CCJ.

Buying a car whilst in a Debt Management Plan is not against any guidelines. However, a DMP agreement will likely require you to check with the DMP finance company.

A DMP can appear on your credit report as some creditors may request an entry on your history to state you are in a DMP.

Rates from 19.9% APR. Representative APR 29.9%

What does Bankruptcy mean?

Bankruptcy is an option for those who cannot repay their debts. You must owe more than £5000 to go bankrupt legally and might first consider alternatives such as an IVA or Debt Management Plan. Being bankrupt is not pleasant and can be a scary process to go through. However, after a year of Bankruptcy, you’ll usually be discharged – releasing you from all debts covered by your Bankruptcy. In some instances, discharge can take longer – this is known as delayed discharge. You can request removal from your credit file once release from Bankruptcy occurs.

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