CCJ Loans

Loan options for those with a CCJ.

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45.4% APR Representative
Time to apply
OK 02m 48s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,000 over 36 months at a Representative rate of 45.4% APR and an annual interest rate of 23.00% (fixed), you would pay 36 monthly instalments of £140.84. The total charge for credit will be £2,070.24 and the total amount payable will be £5,070.24.
We don't have any reviews for 1 Plus 1.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £5,000
  • Loan term: 12 - 60 months

Top choice for

  • You don't need to have a good credit history
  • Existing customers can borrow up to £5,000
  • Quick application, money usually transferred within 24 hours
  • Competitive APR

Watch out for

  • You must have a guarantor
  • Your guarantor must own their own home
  • Your guarantor must be older than 18 years old and no older than 75 years when the loan completes
  • Your guarantor will need to make the repayments if you cant afford to
  • Your guarantor must have have a good credit history

Fees & charges

  • Maximum APR 45.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £20
99.9% APR Representative
Time to apply
OK 02m 43s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £1,810 over 24 months at a Representative rate of 99.9% APR and an annual interest rate of 71.30% (fixed), you would pay 24 monthly instalments of £143.48. The total charge for credit will be £1,810.48 and the total amount payable will be £3,620.96.
We don't have any reviews for 118 118 Money.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £5,000
  • Loan term: 12 - 24 months

Top choice for

  • Quick application process and decision
  • No interest is charged on your birthday
  • Customer service team available via live chat 24/7
  • Overpayments made without charge

Watch out for

  • You must be between 18 and 70 years old to apply
  • You must apply online
  • You must be a UK resident
  • You must have a bank account with debit card facilities
  • You must receive a net monthly income of at least £700

Fees & charges

  • Maximum APR 99.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £12
49.9% APR Representative
Time to apply
Fast 01m 33s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.9% APR and an annual interest rate of 49.90% (variable), you would pay 36 monthly instalments of £195.16. The total charge for credit will be £3,025.76 and the total amount payable will be £7,025.76.
We don't have any reviews for Amigo Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £7,500
  • Loan term: 12 - 60 months

Top choice for

  • No fees of any kind
  • You don't need to have a good credit history
  • You don't need to have direct debit facilities
  • Your guarantor does not need to own their home
  • You don't have to have been a resident of the UK for a specified length of time

Watch out for

  • You will need a guarantor
  • If you have a poor credit history, it's likely your guarantor will need to be a homeowner
  • Your guarantor will need to make your repayments if you can't afford to

Fees & charges

  • Maximum APR 49.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
49.7% APR Representative
Time to apply
OK 03m 15s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,600.00 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 41.00% (fixed), you would pay 35 monthly instalments of £126.61 and a final payment of £126.54. The total charge for credit will be £1,957.89 and the total amount payable will be £4,557.89.
We don't have any reviews for Bamboo Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £8,000
  • Loan term: 12 - 60 months

Top choice for

  • You don’t need perfect credit history
  • Easy payment management with online portal
  • Your guarantor can be your partner
  • Your guarantor does not need to be a homeowner

Watch out for

  • You and your guarantor must be over 21
  • Your guarantor will also need a good credit rating
  • Your guarantor must not be a customer of Bamboo
  • Your guarantor will need a UK bank account
  • Your sole income cannot be from Job Seekers Allowance

Fees & charges

  • Maximum APR 49.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
49.7% APR Representative
Time to apply
OK 02m 10s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,500 over 36 months at a Representative rate of 49.7% APR and an annual interest rate of 31.90% (fixed), you would pay 36 monthly instalments of £170.56. The total charge for credit will be £2,640.16 and the total amount payable will be £6,140.16.
We don't have any reviews for George Banco.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £7,500
  • Loan term: 12 - 60 months

Top choice for

  • Fast track same day payout
  • Customer and regulation focussed
  • Positive reviews online
  • Available to customers with bad credit

Watch out for

  • Your guarantor will need to be over 25 years old
  • Your guarantor must have good credit history
  • Both must not be under an IVA or bankruptcy
  • Your guarantor must have a minimum income of £1,000pm
  • Both must have a valid UK bank account and debit card

Fees & charges

  • Maximum APR 49.7%
  • Arrangement fee: £100
  • Early repayment fee: £0
  • Late payment penalties: £12
49.9% APR Representative
Time to apply
OK 02m 35s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,250.00 over 36 months at a Representative rate of 49.9% APR and an annual interest rate of 41.16% (fixed), you would pay 36 monthly instalments of £158.57. The total charge for credit will be £2,464 and the total amount payable will be £5,714.67.
We don't have any reviews for Buddy Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £7,500
  • Loan term: 12 - 60 months

Top choice for

  • Good option for those with bad credit
  • Online portal for easy management
  • Approval decision within the hour
  • No paperwork to complete, 100% online
  • Your guarantor does not need to be a homeowner

Watch out for

  • Your guarantor must be aged between 18-75
  • Your guarantor must have a good credit score
  • Your guarantor must have a minimum income of £1,000pm
  • Your guarantor must have a UK bank account

Fees & charges

  • Maximum APR 49.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £12
38.9% APR Representative
Time to apply
OK 01m 45s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,500 over 36 months at a Representative rate of 38.9% APR and an annual interest rate of 33.30% (fixed), you would pay 36 monthly instalments of £199.26. The total charge for credit will be £2,673.36 and the total amount payable will be £7,173.36.
We don't have any reviews for UK Credit Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £10,000
  • Loan term: 12 - 60 months

Top choice for

  • They accept tenants as guarantors
  • Your guarantor can be anyone, including your spouse
  • Online quote doesn’t leave a credit footprint
  • Online management tool
  • Funds available fairly quickly after approval

Watch out for

  • No bankruptcy, debt management plan or IVA
  • Your guarantor must have good credit history
  • Your guarantor must be aged between 21 and 70
  • Your guarantor must be either employed, self-employed or retired
  • For loans over £6,000 your guarantor must be a homeowner

Fees & charges

  • Maximum APR 59.9%
  • Arrangement fee: £0
  • Early repayment fee: £40
  • Late payment penalties: £0
48.9% APR Representative
Time to apply
OK 02m 58s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,000 over 48 months at a Representative rate of 48.9% APR and an annual interest rate of 25.83% (fixed), you would pay 48 monthly instalments of £84.73. The total charge for credit will be £2,067.04 and the total amount payable will be £4,067.04.
We don't have any reviews for Suco Guarantor Loans.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 12 - 60 months

Top choice for

  • Guarantor loans up to £15,000
  • No upfront fees
  • You don’t need to have good credit history
  • You can settle the loan at any point during the term

Watch out for

  • You will need to have a monthly income
  • You must be a homeowner if applying for more than £8,000
  • Your guarantor must be a homeowner
  • Your guarantor will need to be aged between 18 and 75
  • Your guarantor must have a regular income
  • Your guarantor must be a UK resident

Fees & charges

  • Maximum APR 25.83%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
48.9% APR Representative
Time to apply
OK 03m 02s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £3,000.00 over 36 months at a Representative rate of 48.9% APR and an annual interest rate of 10% (fixed) and annual service fee of 30.48% (fixed) , you would pay 36 monthly instalments of £145.17. The total charge for credit will be £2,226.12 and the total amount payable will be £5,226.12.
We don't have any reviews for Guarantor My Loan.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £5,000
  • Loan term: 12 - 60 months

Top choice for

  • Peer-to-peer guarantor lending
  • Repay the loan early with no charges
  • One month’s cashback at the end of the loan

Watch out for

  • Your guarantor must be over 21
  • Your guarantor will need to have good credit history
  • You must be a UK resident
  • You need to be over the age of 18
  • You can't have any active CCJs, IVAs or a history of bankruptcy

Fees & charges

  • Maximum APR 48.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £11.5
47.9% APR Representative
Time to apply
OK 03m 20s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £2,500 over 36 months at a Representative rate of 47.9% APR and an annual interest rate of 47.90% (fixed), you would pay 36 monthly instalments of £120.04. The total charge for credit will be £821.44 and the total amount payable will be £3,321.44.
We don't have any reviews for LendFair.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £500 - £5,000
  • Loan term: 6 - 60 months

Top choice for

  • Your guarantor does not need to be a homeowner
  • You can make overpayments with no fees or charges
  • Monthly repayments are fixed to help with budgeting

Watch out for

  • You will need to have a UK current account
  • Your guarantor will need to be a UK citizen
  • Your guarantor must be over 18 years old
  • Your guarantor needs to be a homeowner or tenant

Fees & charges

  • Maximum APR 79%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0
52.6% APR Representative
Time to apply
Fast 01m 23s
Application Time
OPTIOSCORE
Okay
Representative Example: If you borrow £6,000 over 120 months at a Representative rate of 52.6% APR and an annual interest rate of 40.34% (variable), you would pay 120 monthly instalments of £181.94. The total charge for credit will be £16,832.80 and the total amount payable will be £22,832.80.
We don't have any reviews for Progressive Money.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £15,000
  • Loan term: 24 - 180 months

Top choice for

  • Loans available up to 15 years
  • Quick online enquiry that doesn’t leave credit footprint
  • Funds paid directly into your account

Watch out for

  • You must be a homeowner and live in that home
  • You will need to be employed and earn £800 per month
  • You will need to be aged between 21 and 70
  • You will need to be able to afford the monthly repayments

Fees & charges

  • Maximum APR 52.62%
  • Arrangement fee: £295
  • Early repayment fee: £0
  • Late payment penalties: £0
39.9% APR Representative
Time to apply
Fast 01m 31s
Application Time
OPTIOSCORE
Good
Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 39.9% APR and an annual interest rate of 34.00% (fixed), you would pay 36 monthly instalments of £178.69. The total charge for credit will be £2,432.75 and the total amount payable will be £6,432.75.
We don't have any reviews for TrustTwo.
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Average customer rating
0 out of 5
Key Facts
  • Loan amount: £1,000 - £7,500
  • Loan term: 13 - 60 months

Top choice for

  • You don’t need to have good credit history
  • Your guarantor can be a tenant or homeowner
  • You can choose weekly or monthly repayments
  • They don’t charge any upfront fees

Watch out for

  • You will need to be aged over 18 years
  • You must be a UK resident
  • No bankruptcy, IVAs or debt management plans
  • Your guarantor must be aged between 25 and 74
  • Your guarantor can be someone close to you but not a spouse

Fees & charges

  • Maximum APR 39.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0

This page is dedicated to comparing loans that are available if you’ve had one or more CCJs at any stage during the past six years. CCJ is an abbreviation for “County Court Judgement” and is where someone has taken court action against you to reclaim money that you owe. Credit reference agencies record County Court Judgements on your credit file and lenders will consider them when trying to decide whether to lend to you or not. 

There are two different ways that a CCJ can show on your credit file; satisfied and unsatisfied. Satisfied is where you have paid the amount owed within 6 months of the CCJ being recorded and unsatisfied is where you have not paid the CCJ within 6 months. Customers with unsatisfied CCJs will find it even more difficult to obtain credit.

Types of CCJ loans

There are a number of lenders who will lend to you regardless of whether you’ve got a satisfied or unsatisfied CCJ on your credit file. To cover the higher risk in lending to customers who have one or more CCJs on their credit file lenders in this space have high rates of interest on the loans they offer. Expect to pay upwards of 49.4% APR. Additionally, you’re likely to be asked for a form of security to provide against the loan, be it a guarantor or your logbook. Doorstep lenders are the exception to this rule, though most only offer up to £500 to new customers.

Here is an overview of all the different types of loans available to you if you’ve had a CCJ recorded on your credit file in the last 6 years. We haven't included Doorstep, logbook or payday loans in the comparison table below as they're outrageously expensive. For more information on these types of loan, click the corresponding link. 

Guarantor lenders

Guarantor lenders offer from £50 - £7500 and accept those with CCJs. If you’ve got someone who’s willing and able to back your loan application then a guarantor loan could be an option for you. We’ve included them in the comparison table below and have a page dedicated specifically to guarantor loans here.

Doorstep lenders

Doorstep lenders offer cash loans of up to £500 to new customers regardless of your credit profile, and will accept those with CCJs. Once the loan has been organised, the cash is delivered to your door. A representative of the lender then returns to your house to collect your repayments. To compare doorstep lenders, check out our doorstep loans comparison table

Logbook loans

If you have your own car that’s free of finance and under 10 years old, then a logbook loan is an option. Logbook loans work by securing the loan repayments against your car. The lender will keep your logbook for the duration of the loan, temporarily owning the vehicle. You can find out more information on logbook lenders by visiting our logbook loans comparison table

High-cost short-term loans 

High-cost short-term loans (HCST), commonly known as payday loans are, as their title suggests, loans designed to be repaid over a short term. Loans range from £100 to £1000 and are generally repaid within 6 months. 

HCST loans sit at the pricier end of the scale and should be considered for use only as a last resort. If you are thinking of a HCST loan be sure to compare your options first and be absolutely positive you can afford the repayments before you apply. HCST lenders are not featured in this table but we do have a page dedicated to comparing short term loans here

What not to do

Do not apply for a CCJ loan if you are not absolutely positive you can afford the repayments. As outlined above a lot of the lenders that lend to those with CCJs will require some sort of security. By committing to a loan and not meeting the repayments, your possessions are at risk and if you have a guarantor they will have to pick up the bill.

Acceptance criteria

Criteria will vary from lender to lender but you will have to be at least 18 years old and have a UK bank account with direct debit facilities. You will also have to convince the lender you’ll be able to meet the repayments. 

Final word

CCJ loans are specifically for those with a poor credit history. If you have good credit you’re in the wrong place and should take a look at our good credit comparison tables. If you do have bad credit and are thinking of applying for a CCJ loan, make sure you are positive you can afford the repayments before committing, as if you can’t, you’ll be either putting your possessions at risk or forcing your guarantor to pick up the pieces.

You can personalise these results with our loan search.