Car Finance With CCJs & Defaults
If you're looking for car finance with CCJs and defaults, it’s understandable to feel a little stressed or unsure about your options. Many people believe a County Court Judgment (CCJ) or a default automatically slams the door shut on a finance application, but we're here to tell you that this is simply not the case.
You can still get car finance with CCJs and defaults. While they affect your credit score, many trusted finance lenders will still consider your application.
At Birchwood Motor Centre, we offer a supportive, non-judgemental approach to finding flexible finance options that fit your unique circumstances. Your financial past doesn't have to stop you from getting a reliable vehicle.
Can I Get Car Finance with a CCJ?
Yes, you absolutely can get car finance with a CCJ.
A CCJ is a court order obtained by a creditor when you've failed to repay a debt. While it is a serious marker on your credit file, specialist lenders understand that people’s circumstances change. They look beyond just the CCJ itself to assess your current affordability.
When considering an application for car finance with a CCJ, lenders focus on:
Recency: How long ago the CCJ was issued. Older CCJs are generally viewed more favourably.
Repayment Status: Whether the CCJ was fully settled or is still outstanding. Settled CCJs significantly improve your chances.
Income Proof: Your ability to provide stable evidence of income, showing you can manage the repayments today.
Ready to see your options? Take the first step by completing our quick and easy online finance application.
What Does a Default Mean for Car Finance?
A default occurs when you miss several agreed payments on a loan, credit card, or utility bill, resulting in the creditor closing the account and recording a 'default' on your credit file.
While a default may lower your credit score, it doesn’t necessarily prevent you from getting car finance with defaults. It’s important to remember that defaults are incredibly common, and our wide panel of lenders are accustomed to working with customers who have these marks on their file.
We know that a lapse in payment isn’t a reflection of your current ability to manage money. Our role at Birchwood Motor Centre is to find a lender who focuses on your present financial stability rather than just your past credit history.
How Birchwood Motor Centre Helps Customers
We position ourselves as your one-stop shop for both the perfect car and tailored finance solution. We provide the vehicle and the finance package designed to fit you.
Extensive Stock: We have over 100 high-quality used cars to choose from, meaning you can find a car that suits your needs and budget, regardless of your credit situation.
AA Approved Dealer: Every vehicle comes with peace of mind—comprehensive inspections, a minimum 6-month MOT, and history checks.
Finance Options for All Circumstances: We specialise in securing finance for all credit types, including for those asking ‘can I get car finance with a CCJ?’
Hassle-Free Part Exchange: If you have an existing vehicle, we offer competitive valuations and a smooth part-exchange process to help lower the cost of your new car.
Steps to Improve Your Chances of Approval
While we do the heavy lifting for you, a few simple steps can strengthen your application for a better outcome:
Provide Proof of Income and Stability: Lenders want reassurance, so gather recent payslips, bank statements, or proof of self-employment income.
Save for a Deposit: Even a small deposit shows good faith and reduces the amount you need to borrow, making the deal more appealing to lenders.
Be Realistic with Your Budget: Choose a vehicle and finance term that you are comfortably sure you can afford.
Check Your Credit File: Make sure the information is correct and, crucially, that any old CCJs or defaults are showing as ‘settled’ if you have paid them off.
Why Choose Birchwood for Car Finance?
Choosing a dealer who understands the nuances of car finance with a CCJ is vital. Our focus on car finance for CCJ customers sets us apart from generic lenders.
We build our service on trust, transparency, and a non-pushy approach:
Trusted Reputation: Our strong customer reviews praise our honesty, professionalism, and aftercare, proving we deliver on our promises.
Convenient Buying: Browse our stock online from home and take advantage of our nationwide delivery options.
Expert, Friendly Advice: We offer tailored solutions without the hard sell.
Apply for Car Finance Today
Your past doesn’t define your next car. With Birchwood Motor Centre, CCJs and defaults don’t have to hold you back from finding your ideal vehicle. We’ve helped customers successfully secure the finance they need.
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Car Finance with CCJs and Defaults FAQs
Can you get car finance with a CCJ?
Yes, specialist lenders focus on your current affordability rather than just your credit history.
Do defaults mean I’ll be refused?
No. Defaults are common, and lenders can offer finance for applicants with past defaults.
Can you get car finance with a CCJ if it’s unsettled?
It is more challenging, but not impossible. Settling the CCJ first will significantly improve your chances and potentially get you a better rate.
Do I need a bigger deposit with bad credit?
A deposit is not always required, but having one can improve your application..
Can I part exchange my car if I have a CCJ?
Absolutely. Part exchanging is a separate process from your finance application and is welcomed here at Birchwood Motor Centre.