With mainstream finance companies and their associated scoring systems something such as a County Court Judgement or CCJ would be a kiss of death for an application and would mean that your hopes of getting a new car would be dashed. In the eyes of the type of finance companies that we deal with this isn’t as bigger problem as most customers think. Obviously the stereo type of a Bad Credit customer is imprinted onto our minds and we have the view that CCJ’s equal no chance of getting a Car Finance agreement such as a CCJ Car loan. If you consider the real life implications of a Judgement though there is no flexibility as they stay on the credit report for 6 years time and can relate to an entirely different period in the applicants life and not reflect their actual current circumstances. Many customers of MSG may have had similar issues and it could be something like a relationship breakdown, redundancy or even just the fact that they moved address and forgot to pay a small bill. The fact is that in the mainstream approach to lending a CCJ is a CCJ no matter what the size or when it was issued and so you can even find some one with excellent voters roll trace and high income being turned away for a £50 water bill from 4 years previous. With the type of companies that we operate alongside there is a much more common sense to lending and so this means that Car Loans are available for those with CCJ’s with no need to provide explanations or proof they have been settled.
The best way to see if you are successful for a new or used Cars Loan for Bad Credit is to complete one of our online application forms and we will be able to tell in an instant. At this point all you need do is provide us with the details of the car that you would like to purchase along with the dealership information and we will be able to give you a price for the monthly CCJ Car Loans repayments and the deposit required at the start. If you are happy with that then we will speak to the dealer for you and email your finance documents direct to your inbox to print and sign. The vehicle can often be paid for the following day so if you are in a hurry or cant wait to take your new vehicle out on the road then we will be happy to accommodate your wishes. Don’t let having a County Court Judgement make you think there isn’t a chance of getting approved as we are dealing with similar case every single day and wouldn’t make this claim if we weren’t confident that we can help.
