Loans For People With CCJs

Compare Loans for People with Existing CCJs

Featured Loan Deal - Adverse Credit History
ProviderLoan AmountCredit HistoryRates FromTerm 
£1,000 to £20,000All Credit Histories Considered49.7%

APR
Representative

1 to 4 YearsGet Quotes >
Rebuild Your Credit. Interest rates start from 9.3% APR. Instant Online Decision using 'soft' credit searches. Representative Example: If you borrow £3,000 over 3 years at a rate of 41.0% per annum (fixed) you will repay £146.09 per month & £5,259.11 in total.
£1,000 to £20,000All Credit Histories Considered99.90%

APR
Representative

1 to 2 YearsGet Quotes >
Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application. Fixed monthly repayments. Instant Online Decision. Representative Example: The Representative APR is 99.9% - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.
Adverse Credit History Loans - Up to £20,000
LenderMin - Max LoanCredit HistoryRepresentative APRTermApply
£1,000 - £20,000Poor Credit48.50%1 to 5 YearsGet Quotes >
  • Interest Rates from 19% - 99% 
  • Rebuild Your Credit
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 48.50% - Based on an assumed loan amount of £3,000 over 12 months at an interest rate of 48.50% p.a. (fixed) you would pay £670.83 a month and £3,670.83 in total.

£1,000 - £10,000Bad Credit Considered79.40%1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • No set up charges
  • Instant Online Decision
  • Must be aged 18 to 65
  • Early redemption charges
  • Must have monthly income of over £700
  • Must be UK resident

Representative Example: APR is 79.4% (variable) so if you borrow £3,000 over 2 years at a rate of 59.9% p.a. (variable) you will repay £217.24 per month & total amount payable £5,213.68.

£1,000 - £3,000 (Tenant Guarantor Loan)Good to Poor69.9%1 to 3 YearsGet Quotes >
  • Same day decision
  • No set up fees or charges
  • Any bad credit considered
  • Need a Tenant to act as guarantor
  • Must be aged between 18 and 65

£2,000 over 3 years, representative 69.9% APR fixed. Monthly payment £113.47. Annual interest rate 45.84% fixed. Interest payable £1,884.92. Broker fee payable £200.00. Total repayable £4,084.92.


UK Credit is a specialist no fee guarantor loan provider. All bad credit considered. Please only apply if you have a TENANT AS YOUR GUARANTOR. This type of loan is good for consolidating more expensive credit.

£1,000 - £5,000Poor Credit99.9%1 to 2 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application  
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

Loans for people with CCJs are likely to be more expensive than for those with a clean credit history, and generally harder to get hold of. When you apply for credit, the lender will do a credit search to determine your creditworthiness, and having a CCJ (county court judgement) on your record will mean that you are a risky customer to lend to – this will mean higher interest rates.

Where can I find the best loans for people with CCJs?

  • Specialist bad credit loan companies
  • Mainstream lenders (but they might be more expensive)
  • By comparing deals from a number of providers

If you are offered a loan, then how much interest you are charged can depend on a number of things.

Loans for people with CCJs are judged on:

  • How much you want to borrow
  • Over what period of time
  • If you need a homeowner loan

Bad credit unsecured loans generally offer less competitive rates than adverse credit homeowner loans; this is because you are not offering any surety to the lender so the risk of default could be higher. If you use your home as a guarantee, lenders are more likely to offer you lower rates and longer repayment periods. But, despite the fact that lower rates are available on secured loans, the potential risk of losing their home puts most people off - around 90 per cent of loans fall into the unsecured category. You may find, however, that if your credit history is poor, lenders will only be prepared to lend to you if you can offer some sort of surety; secured loans for people with CCJs are sometimes the only option, unless you are willing to pay very high rates of interest.

If you are successful in your application for a bad credit loan, then you can use this to improve your credit rating. By keeping up with the repayments and proving that you have become more of a trustworthy borrower, then you will gradually repair you credit score and in the future be able to apply for loans with more competitive rates. (Learn more about how to improve your credit rating.)

To find the best deals on loans for people with CCJs, click on the link below and fill in the form - a specialist loan broker will call you back to compare bad credit loans based on your individual circumstances from leading UK bad credit loan companies.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.