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

man staring into the distance
man staring into the distance

You may be able to get credit even if you have a CCJ. Lenders like Provident will still consider your application.

Although having a County Court Judgement (CCJ) on your credit file could exclude you from getting money with a lot of mainstream lenders, that’s not the case for every loan company. Certain credit suppliers will look past it and consider lending you money.

What is a CCJ?

A CCJ is handed out by a County Court. If a person fails to repay a debt, the company or person they owe money to can go to the court to try and get it back. If the court agrees that you have an outstanding debt, it will issue an order saying you have to repay it and tell you how to do this. A CCJ has a negative effect on your credit rating because it suggests you’ve not repaid what you’ve borrowed.

Where can you get credit despite having a CCJ?

Certain short-term loans companies and guarantor loans companies will consider lending to you even if you have a CCJ. Chief among these are doorstep lenders, such as Provident.

Instead of assessing someone based solely on their credit score, we prefer to get to know our customers face to face. When a customer applies for a loan, we’ll look at their credit score and if accepted, an Agent will then visit them in their home, face to face, to discuss their circumstances further.

During this face to face meeting, the Agent discusses the customer’s circumstances and completes an Affordability Assessment which determines whether customers can afford the repayments on their loan. If accepted, we’re happy to give them the money they need.

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