Having a CCJ doesn't automatically disqualify you from car finance. Modern lenders recognize that past debt issues don't always reflect your current financial situation. Your immediate income and repayment ability matter far more than historical judgments. Car Plus explains how specialist brokers connect applicants with willing lenders. Representative rates start from 9.9% APR, though typical CCJ applications see 21.9% rates at approximately £185.33 monthly for a £7,000 five-year loan. The process begins with soft credit checks that won't damage your existing score. Brokers assess your full financial picture, not just the CCJ mark. Self-employed applicants receive consideration too. Satisfied judgments, where you repaid within 30 days, significantly strengthen your application prospects. No deposit options exist, though deposits can improve your terms considerably.