CCJ Loans

£1k to £500k

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Can I get a loan with a CCJ?

Yes, you may be able to. The impact of a CCJ reduces with time, especially if you've paid it off. After 6 years, it'll be removed from your credit report.

We work with lenders who may consider:

  • how old the CCJ is
  • whether it's been satisfied (paid off)
  • how much it was for
  • how the rest of your finances look now

So, you may have more options than you think, particularly if your CCJ was issued a while ago or you’ve paid it in full.

How to apply

1

Complete our online form

2

We’ll search 100s of loans

3

You'll see your quotes instantly

How to improve your chances

Paying your CCJ in full can put you in a stronger position with lenders. To boost your chances further:

  • Check your credit report for errors
  • Build up a positive credit history
  • Register on the electoral roll
  • Earn a stable income

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What to consider
before applying

Do you need the loan?

Borrowing when you have a CCJ can be costly, so it's important to make sure the loan's purpose is worth it.

Ask yourself whether you’ve considered all other alternatives first test.

Your financial situation

You’re a lot more likely to be accepted if you’ve paid off your CCJ before applying.

Use a loan calculator to work out what your monthly repayments will be, and make sure they’re manageable (both now and in the future).

What type of loan would work best for you?

You may find a secured homeowner loan offers you lower rates, and more time to pay the money back.

An unsecured personal loan could suit you better if you don’t have property to use as security, or you need a smaller loan amount.

Homeowner loans are secured against your property. This means your home may be at risk if you fall behind with your payments. We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. Fees may be payable depending on your choice of financial product. The rate you're offered and the fees will depend on your circumstances and will be discussed prior to you proceeding with your loan. 10.3% 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. 48.76% APR Representative (fixed).

Our trusted lenders

We work with over 25 FCA-regulated lenders to match you with the best loan for your needs.

It’s all about you.

While a CCJ can limit your options, specialist lenders may still be able to help you get a loan — particularly if the CCJ is older, satisfied, or the amount was small.

Zubin Kavarana,Personal Finance Writer

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Got Questions?

How much you can borrow depends on the type of loan you choose. 

With a secured loan (homeowner loan) through us, you could borrow between £10,000 and £500,000 over 3 to 30 years. 

With an unsecured loan (personal loan) through us, you could borrow between £1,000 and £15,000 over 1 to 5 years. 

Yes, it may be possible to use a CCJ loan to consolidate existing debts into one monthly payment. This can make your finances easier to manage, though it's worth noting you may pay more overall depending on the interest rate and repayment term. 

As for the CCJ itself, ideally, you would want to pay it off before applying for a loan to improve your chances of being accepted.  

Yes, applying for a CCJ loan can affect your credit score. Most lenders will carry out a hard credit search when you apply, which leaves a mark on your credit report.  

That's why it's worth using an eligibility checker first — it uses a soft search that won't impact your credit score, helping you understand your options before you formally apply.  

Taking out a loan can also impact your score depending on how you manage repayments — missed payments could make things worse, while making payments on time can help improve your credit history over time. 

If you've had a CCJ, lenders are likely to see you as a higher risk. This means you may find it harder to get approved, or you could be offered a higher interest rate, making the loan more expensive.
 
However, you can spread the cost over a longer period of time to reduce your monthly payments - this would mean paying more in interest overall.
 
Before committing to anything, make sure the payments are manageable and can comfortably fit within your budget.

It may be possible to get an emergency loan if you’ve had a CCJ, as some specialist lenders are willing to consider applications from people in this situation. However, even in urgent circumstances, it's worth taking a moment to think carefully before applying.  

Consider whether the loan is truly necessary, and if you'd be able to comfortably manage the repayments alongside your other financial commitments.  

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Reviewed by: Matt Waller

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