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CCJ Loans


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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

CCJ Loans can help you borrow the money you need to pay for an emergency, a new car, home improvement or pressing bills. Although having a CCJ can make it harder to get a loan, My Financial works with over 25 lenders in the UK who are willing to take a view on people with CCJs and bad credit histories. You can apply for up to £5,000 repaid over 3 to 24 months, provided that you have a regular income and can afford to make monthly repayments. Our application is completed online and takes less than 5 minutes to fill in your details. You will get an instant decision on the screen and if successful can receive money into your bank account within 24 hours.

What Is A CCJ Loan?

A CCJ loan is specifically for people who have had a CCJ and are looking to borrow money. 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 aCounty Court Judgement, or CCJ for short.

This acknowledges that you have debt outstanding and it will be ‘satisfied’ once it has been paid in full or remain ‘unsatisfied’ if it is still unpaid. Either way, a CCJ will stay on your credit file for 6 years and some lenders will treat this with caution.

However, if you have satisfied your debt, have a steady income and have paid off other forms of recent credit on time too, you can be in a good position to apply for a CCJ loan and access the finance you need.

The lenders we work with will carry out a series of checks and based on your financial situation, you could be eligible to borrow up to £5,000.

Can I Get A Loan With A CCJ?

Yes, you can successfully get a loan with a CCJ if you have the following criteria:

In addition, there are some loans available for people with bad credit, which involve adding extra security and can help you borrow money, including:

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.

Can I Apply For Payday Loans With A CCJ?

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

However, you can use some of the loan types that we mentioned above in the form of a payday loan. So you can always borrow smaller amounts of £200, £500 or £1,000 and repay over a few weeks or months.

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 now below.

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