Yes, it’s possible to get car finance with bad credit, including a CCJ. Specialist lenders can help people with bad credit finance a car without needing a guarantor.

Whether you need to commute, take your kids to school, or get around day-to-day, we can help you with car finance if you have a CCJ. For more information, look into getting car finance with bad credit and no guarantor.

We also offer joint car finance for people applying with someone they live with.

It’s possible to get car finance with a CCJ, but no lender can guarantee approval. Everyone’s situation is different, so is their eligibility for car finance. Lenders must ensure that car finance is affordable before offering it, so it is not possible to guarantee car finance for people with a CCJ.

We suggest being cautious of anyone claiming to offer this. For more information, see our guide explaining why guaranteed car finance is a myth.

Which type of car finance is best depends on your circumstances and what you want from the finance agreement. While PCP might be best if you prefer flexibility at the end of the agreement, you might prefer a CS agreement if you want to legally own the car and don’t want a large balloon payment at the end.

Find out more about PCP, CS, and other ways of buying a car in our guide to the different types of car finance.

When you get a quote, we’ll need a few details such as your name, address history, and income. We’ll run a soft check to understand your eligibility and, if you’re approved, show you what your agreement might look like.

A friendly expert from our team will then get in touch to discuss the process and help with any documents you need to submit. These may include proof of identity (usually a driving licence) and proof of income (usually payslips).

Check out our guide, which explains more about what you need when applying for car finance.

Yes, you can use your current car as a deposit. If it was previously financed and is fully paid off, you can part exchange it and use its value as a deposit for your new car. If your current car is still on finance, whether you can use its value for a new car depends on whether it is in positive or negative equity.

If your car is worth more than the current finance, it is in positive equity. This means you can trade it in, pay off the existing finance, and use the extra money as a deposit for your new car.

If your car is worth less than the finance amount, it is in negative equity. This means you would need to trade it in and pay the difference between its value and the finance amount from your own pocket.

For more information, check out our guide to part exchanging a car on finance.