CCJ Loans

Borrow Money with a CCJ - All Credit Histories Considered

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 (FCA regulated and authorised) who provide a variety of CCJ loan products to borrowers.

Apply Now


In partnership with Smart Loans



What Is a CCJ?

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 of whether to provide you with a loan or not.


Can I Get a Loan If I Have a CCJ?

Yes, you may be eligible for certain types of loans with a CCJ. Whilst some lenders may not accept applicants with a CCJ, Proper Finance works with a range of different lenders who do.

Loans that are available to those with CCJs will often rely on other factors to provide security to the lender that the loan with be paid back. For example, those with CCJs may be eligible for guarantor loans, where a guarantor is added to the application as security if the main borrower defaults. Find out more here.


What Type of Loans Can I Get with a CCJ?

Proper Finance works with a number of lenders who provide CCJ loans to borrowers. There are various different loan types available for those with CCJs. including the following:

  • 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/friend with good credit who is willing to back your loan application, and will make repayments in the event that you are unable to.

You might be concerned that your CCJ stops you from getting the finance you need. However, with Proper Finance you can access a variety of different products that accommodate to both your financial circumstances and your borrowing needs.


What If I Have a CCJ and No Guarantor?

As mentioned in the section above, 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.

If you can’t find a guarantor, you can still access finance though such products as logbook and payday loans. Rest assured it is still possible for you to apply for a loan without having a guarantor!


What Is the Criteria for a CCJ loan With Proper Finance? 

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


Why Use Proper Finance for CCJ Loans?

Proper Finance works with hundreds of lenders across the country offering a range of financial products. It is our mission to find you the best lender to suit your personal circumstances and who can offer you the most suitable loan at the most affordable rates. We can match you with a lender who works with applicants with a CCJ and can save you the time and effort of sifting through lots of unsuitable lenders. Through Proper Finance, we can help you find out what criteria each lender requires so that you are not wasting your time applying for loans where you are not eligible.


How to Apply For a CCJ Loan 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.

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