CCJ loans

If you’ve had a County Court Judgement (CCJ) registered against you within the last 6 years, you may find it more difficult to be accepted for a loan or get a competitive rate. Here at Ocean, we work with a specialist panel of lenders to help you find a CCJ loan. Find homeowner and personal loans with Ocean. 

  • Get online decision
  • Know your rate before you apply
  • Comparing won't affect your credit score

Homeowner loans are secured against your property. We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. Any quote is inclusive of the Broker Fee and all associated costs which is calculated as 12% of the net loan amount, capped at a maximum of £4,995. Loans are subject to status, and the rate you are offered may change based on your individual circumstances. 12.4% APRC Representative.

Personal loans are unsecured. Ocean Finance is a trading style of Intelligent Lending Limited. We are a credit broker working with a panel of lenders to find you a personal loan. We receive commission upon completion. A Broker Fee is not payable. 61.94% APR Representative (fixed).

Can I get a loan with a County Court Judgement (CCJ)?

Getting accepted for a loan when you have a CCJ can be tricky, but it is still possible. There are lenders and brokers (like us) who can help find loans for people with CCJs.

Lenders view CCJs as a red flag. If you have unpaid debt, it shows that you've not managed money well in the past. And that means you are less likely to be considered for future borrowing.

Before you consider taking out a CCJ loan, you should ask yourself whether you (a) really need it and (b) can afford to repay it.

How to check your eligibility for a loan

See if you're eligible in four simple steps - without affecting your credit score.

  1. Click 'Get a quote' and select how much you want to borrow and for how long
  2. Fill in our online form
  3. We’ll search 100s of loans to see what's right for you
  4. View your quotes – these will either be personal or secured loan quotes, depending on how much you want to borrow and if you’re a homeowner

We’ll let you know if you’re eligible for a loan on the spot. If you are eligible, it's a case of choosing a deal that's suitable for you and finalising your application - the exact steps will vary depending on whether you apply for a secured or unsecured loan.

No matter which type of loan you choose, a full credit check will be completed when you apply. If you have bad credit, a CCJ, or any other serious money problems, you could be offered a higher rate of interest than you would with traditional loans. Affordability checks will also be carried out, which may require you to provide proof of income (e.g., payslips or bank statements).

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What to do if you have a CCJ

There are many things you can do to improve your credit score and increase your chances of being approved for a loan, like:

  • Making sure you stick to any outstanding debt payments on time and in full - without fail.
  • Checking you’re on the electoral roll and if you’re not, consider registering to vote.
  • Keeping an eye on your credit report for any mistakes. If you see anything out of place make sure you dispute it - you can find out how to do that here.
  • Reducing other lines of credit as much as you can.
  • Waiting around 6 months or longer between credit applications. The more times you try to apply for credit in a short space of time the more damage you’ll do to your score.
  • Sticking at the same address. Lenders like to see that borrowers are secure, and regularly changing address can go against that.

Other types of loans

Personal loans
Debt consolidation loans
Low cost loans
Secured loans
Homeowner loans
Joint loans
Bad credit loans
Home improvement loans

How could we help you?

Ocean has provided access to loans, credit cards and mortgages to people across the UK since 1991. In this time, we’ve pre-approved more than a million people, offering products and advice to suit their circumstances.

  • All credit histories considered
  • Check your eligibility without affecting your credit score
  • Save time finding the right loan deal

You can learn more about Ocean on our about us page.

Join over 1 million people we've approved for a loan or credit card

Homeowner loans are secured against your property. This means your home may be at risk if you fall behind with your secured loan or mortgage repayments.

Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.