A County Court Judgment (CCJ) on your record doesn’t have to stop you from getting car finance. At Deal4Wheels, we work with specialist lenders who understand real-life credit issues — including active and satisfied CCJs — and offer responsible, FCA-regulated finance options.
Apply online — soft credit check, no impactExplain your circumstances — (e.g. reason for the CCJ, when it was issued)Get matched with lenders experienced in non-prime creditChoose from HP or PCP options — even with £0 depositWe support finance for: — Active CCJs, Satisfied CCJs, Multiple CCJs and Missed payments or defaults alongside CCJs“I was turned down elsewhere because of an old CCJ. Deal4Wheels didn’t just judge the file — they listened. Within 48 hours, I was approved for HP finance on a used Hyundai Tucson. No upfront payment needed.” — Liam T., Stoke-on-Trent
Approved despite 2 CCJsZero deposit HPRebuild credit while drivingPeople with active or satisfied County Court JudgmentsThose rebuilding credit after past financial difficultyDrivers who can prove stable income or benefit-supported affordabilityInterest rates may be higher, but often improve with on-time paymentsLenders may require proof of residence, employment, or benefit entitlementFinance options may be limited to Hire Purchase (HP)Yes. Many of our lenders accept applicants with active or satisfied CCJs.
Not necessarily. Each lender has their own policy — some may approve even if the CCJ is outstanding.
It may be, but lenders price based on current affordability, not just credit score.
Yes. Making timely repayments can help rebuild your credit history over time.
Rarely — most of our lenders approve CCJ customers without a guarantor.