CCJ Loans

Apply For CCJ Loans

CCJ is an abbreviation of County Court Judgement, and it refers to the process whereby a person has taken court action against you, on the basis that you have not paid back money owed to a person or company. CCJs remain on your credit file when they have been successfully issued, and they are often considered by lenders when making the decision as to whether to provide you with a loan or not.

If you have been issued with a CCJ at any point during the last six years (this is the period of time in which CCJs remain on your credit file) you may be wondering if it is at all possible to be successfully accepted for a loan.

Luckily, you’ve decided to look in the right place! Proper Finance works with a number of reputable lenders (who are FCA regulated and authorised) who provide a variety of CCJ loan products to borrowers.

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In partnership with Smart Loans



What if I have a CCJ and no guarantor?

As we will describe in more detail in the next section of this guide, there are a number of different products available to people who have a CCJ recorded on file, and they do not all require a guarantor. Rest assured it is still possible for you to apply for a loan without having a guarantor.

Types of CCJ loans available

Proper Finance works with a number of lenders who provide CCJ loans to borrowers. There are different loan types available:

  • Logbook loans: if you own your own vehicle (which is under 10 years old and free of finance) this is an option for you. It works by securing the loan repayments against your car
  • Payday loan: these loans are intended to be repaid quickly. This is usually within a period of six months in total
  • Guarantor loan: you also have the option of a guarantor loan. This is when you have a family member or friend with good credit who is willing to back your loan application and will make repayments in the event that you are unable to.

What are the criteria for a CCJ loan? 

In terms of the exact criteria required by our lenders that work with Proper Finance, it can vary from firm to firm, as well as the type of financial product that you have decided to choose. However, as a general rule of thumb, you will need to meet the following eligibility criteria:
  • You will need to be in employment, on either full or part-time basis.
  • Evidence that you will be able to keep up with monthly loan repayments
  • You are a UK based resident
  • You are over the age of 18
  • You have a valid debit card


How To Apply With Proper Finance 

Want to make an application with Proper Finance today? Super! Applying for a CCJ loan can be completed in just a matter of a few steps.

What do we need you to do when applying for a CCJ loan? All we require from you is to click apply now on our site, which will take you to our online form. We ask some basic questions first to determine your eligibility, and completing this form will take approximately 10 minutes.

After these have been completed, you will receive an instantaneous decision as to whether the loan application can go ahead to the next stage.

In the next stage, we can start working together with you and our reputable, FCA authorised lenders to help get the best deal on your behalf, based on your individual circumstances. So, what are you waiting for? Contact us today.


Apply Now


In partnership with Smart Loans