Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loans For People With A CCJ

Even if you’ve received a County Court Judgement, it is still possible to take out a loan. 


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Representative APR


Representative Example: On an assumed loan amount of £750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount £1351.20 and total interest is £601.20. 12 monthly payment of £112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on the mean APR of the lenders we work with

Can I Get A Loan With A CCJ?

Yes, although having a CCJ can make it harder to get a loan, it is still possible to borrow money if you have a County Court Judgement. A CCJ loan is specifically for people who have had a CCJ and are looking to borrow money.

With many people in the UK having bad credit, there are several lenders that can offer loans without guarantors to people with a CCJ.

You may successfully get a loan with a CCJ if you meet criteria:

What Are CCJ Loans?

More commonly known as a bad credit loan, CCJ loans are intended for people with a low credit score due to past missed payments on bills and credit repayments. 

Although having a CCJ can make it harder to get a loan, My Financial works with over 25 direct lenders in the UK who are willing to take a view on people with CCJs and bad credit histories.

Types Of Loans You Can Get With A CCJ

Guarantor Loans

A guarantor loan allows you to add an extra person you know to your loan agreement, and if they have a good credit rating, you can borrow up to £15,000 even if you have a CCJ.

Secured Loans

This is where you will be required to add some valuable collateral to your application – and you risk losing this if you cannot repay your loan. This includes your vehicle (car, bike or van), property (home or flat) or anything valuable such as jewellery, watches or art.

Payday Loans

Payday loans are usually subject to credit and affordability checks and most direct payday lenders are looking for a minimum credit score and income before approving an application. So if you have a recent county court judgement, this could make it tricky to get a payday loan with a CCJ.

What Is A CCJ?

A County Court Judgement (CCJ) is a type of high court judgement order in England, Wales and Northern Ireland where someone has taken you to court for owing them money and you have failed to respond. 

If you have an outstanding payment for a loan, credit card or bill and have not settled it, the lender can choose to take you to court and issue a County Court Judgement.

Upon getting a CCJ, it means the court has ruled against you, and ordered you to repay the money. The notice will arrive in the post and contain information regarding how much you owe, how to pay, and when.

How Can My Financial Broker Help If I Have A CCJ?

My Financial Broker accepts over 2,000 loan applications every day and this includes people with adverse credit histories and CCJs. We have over 25 years of experience of working in the loans and finance industry and have developed a strong relationship with some of the most reputable lenders who can assist with all kinds of credit histories.

If you apply for loans with a CCJ, you can have peace of mind knowing that applying with My Financial Broker will not affect your credit rating and there are no fees for applying. We will always keep your details safe and secure and not pass on your information to any other companies without your permission. When you apply, we will match your details and requirements to our panel of lenders. To get started, simply click on apply.

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