The Car Loan Centre

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CCJ Loans

CCJ car finance approved stamp next to a piggy bank, coins and 3 toy cars

Here at The Car Loan Centre, we specialise in loans for people with CCJs and are here to help if you have been declined elsewhere when looking to finance a new vehicle.

Easy CCJ Loans at The Car Loan Centre!

It can be difficult to get the funds you need when you may have a history of bad credit, with direct lenders of CCJ loans few and far between. That is where we can help you with loans for people with CCJs, designed to help you still get the car you want without the worry of your credit history halting your application. There are many people with CCJs that require help with a vehicle loan, so if you are looking for a new car, we are more than happy to see what we can do to help.

A couple sitting at a laptop, looking anxious as they wait to find out if they can be approved for CCJ loans

What is CCJ Car Finance?

CCJ car finance is simply a way that we can help you buy a new car even if you have a CCJ against your name. Quite simply, we can say ‘YES’ to loans for people with CCJs where other lenders cannot, meaning we are specialists in CCJ car loans. If you’ve found a vehicle that you want to buy but you currently don’t have the cash or have found it difficult to get approved elsewhere, we can look at your affordability as a whole and offer CCJ car loans that will provide the cash you need.

What makes us unique is not only can we help you with a CCJ car loan, but we also provide the vehicle from a selection of 100’s available. You’ll find our current stock here on the website, but make sure to check regularly as the stock can change on a daily basis.

A couple smiles happily at laptop as they have just been approved for CCJ car finance

Helping You as Direct Lenders of CCJ Loans

We are specialists in what we do, providing finance options for those with bad credit that would otherwise be turned away by other lenders. Many lenders are cautious with lending money to applicants who have a history of missed payments and have had financial struggles. However, we understand this is not always an applicant’s fault, as someone may have lost their job or had an unexpected expense to pay out for, making it difficult to maintain repayments. This may have happened recently or even been a while ago, but because of your credit history, a lender can still see it on your credit file.

We are happy to be different and to look beyond what your credit file shows, reviewing what you can do today rather than your past difficulties. A CCJ will indicate that at one point there was a struggle to maintain repayments, but as long as we can see your affordability in the present day, we could provide the help you’re looking for.

If you have any questions at all about our CCJ car finance and CCJ loans, then please do get in touch today. Alternatively, please read our FAQs for answers to common questions we receive.

CCJ Loan FAQs...

What makes us different to other lenders is that we do not rely on a computer generated decision to approve your application for credit. As with any of our finance options, including CCJ loans and Logbook Loans, your overall affordability is key to our approval process. We are much more interested in what you can actually afford to pay rather than any past financial issues you may have had. This is also the reason we can help you if you are self-employed, as we simply require proof of your current affordability, normally by providing us with the last few months of your bank statements. We will perform a credit check as per responsible lending requirements, but remember, this information will form only one part of our final decision to offer loans for people with CCJs, defaults and arrears.

To be eligible for CCJ car finance, you will need to meet the following eligibility requirements:

  • You’re aged 18 or over
  • Are a current UK resident
  • Are Employed/ Self Employed or have a benefits only income
  • Not currently bankrupt
  • Hold a valid UK/EU Driving Licence

If you can meet the above, then click apply now or fill in your details to request a callbackrequest a callback. Remember, even if you have financial issues such as arrears, defaults and CCJs, this should not stop you from applying through The Car Loan Centre.

This can vary depending on the individual but often once we have received all required documents this can be the same day. Remember, this will vary between each application of course, but at The Car Loan Centre, we always strive to provide a decision and have you driving your new car as quickly as we can.

As part of your application for CCJ car finance, we will perform a check of your credit report. This is to confirm your current circumstances of CCJs, defaults or arrears, as well as confirm your identity. However, as we are specialists in helping people with bad credit, we do not rely solely on your credit history. If you have any further queries about the loan approval process, please don’t hesitate to contact us.

For CCJ car loans, created with you in mind!

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But Why Wait?

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What makes us different...

  • 100’S OF CARS IN STOCK
  • BAD CREDIT SPECIALISTS - CCJS, DEFAULTS, ARREARS, ALL CONSIDERED
  • A LENDER THAT CAN SAY YES!
  • NO BALLOON PAYMENTS
  • NATIONWIDE DELIVERY AVAILABLE!

...and all our cars come with

The Car Loan Centre is a trading style of The Asset Exchange Ltd. The Asset Exchange Ltd is authorised and regulated by the Financial Conduct Authority, firm reference 729827. Registered Address: The Car Loan Centre, 77 Wollaston Way, Burnt Mills Industrial Estate, Basildon, Essex, SS13 1DJ, registered company no: 08679485.

We are a lender, and not a broker, and operate with a flat interest rate for all customers. We pay our sales team a flat rate of commission for vehicles sold, and this does not affect the terms of your agreement, nor is it affected by your choice of vehicle or the terms of your finance. We may receive commission from other third parties as a fixed fee or fixed % of commission to us for introducing you to their services with your consent. If you elect to purchase one of these 3rd party products/services we may pay our sales person an additional commission for this, For example if you choose to take an extended warranty. If you would like a breakdown of all third parties who may pay us a commission in certain circumstances this can be provided on request.