Photograph of the actual car.
MG 3
1.5 VTi-TECH Exclusive (Nav)
Manual · 2022 · 36,000 miles · Black
£275 per month
£825 to start, then 35 payments of £275 inc VAT
LEASING WITH A CCJ
Car leasing with a CCJ
A county court judgment is not an automatic no. What matters is how many you have, how recent they are, and whether you have done something about them.
No credit check at this stage
£299 to £499
a month, inc VAT
3 months
rental up front
36 months
road tax included
10,000
miles a year
The short version
- There is no number of judgments at which we stop looking.
- What matters is whether you can account for them, whether you are dealing with them, and whether the money still adds up.
- A judgment paid within a month of the order comes off the register entirely.
- We read your bank statements before any credit check, so finding out costs you nothing.
- Be ready to say what each judgment was for. It is often what turns a no into a yes.
Not all CCJs are equal
This is the part the automatic systems cannot handle. A scorecard counts judgments. A person asks what they were for, what you did about them, and whether the sums still work. We have approved people with four judgments against them, because the money was there and they could explain every one.
| What helps | What makes it harder |
|---|---|
| You can say what each judgment was for | You do not know what they are or where they came from |
| There is a payment plan and you have kept to it | Nothing has been done about them at all |
| They are marked satisfied | Still outstanding, with no arrangement in place |
| The plan payment and a car payment both fit | Adding a car payment would break what you are already paying |
Nothing in that left hand column is about how many you have. Someone with three judgments they are steadily clearing is a better prospect than someone with one they have ignored.
Written by Guy Prince, FCA-authorised credit broker, FRN 984955. Last updated 6 September 2026.
Tell us about it
There is a box on our application for exactly this, and it is worth filling in properly.
If you tell us what the judgment was for, whether there is a plan, and how it is going, that goes in front of the person who assesses your application with the rest of your paperwork. A parking fine you disputed and then settled is not the same as a defaulted loan, and the only way anybody knows the difference is if you say so.
Being upfront helps you here. It is the applications that arrive with nothing explained that get looked at hardest.
How CCJs work, briefly
A judgment goes on the Register of Judgments, Orders and Fines. What happens after that depends entirely on when you pay it.
Paid within one month
It can be removed from the register altogether, as though it had never happened.
Paid after that
It stays six years from the date of judgment, marked satisfied. Much better than unsatisfied, and the single most useful thing you can do.
Left unpaid
Six years, unsatisfied. This is the one that does the damage.
What we do differently
1
Your bank statements are read first
Three months of them, plus your driving licence. Someone at the lender reads them properly and works out whether the payment would sit comfortably alongside everything else you pay.
2
Nothing touches your credit file yet
No search, no footprint, no record that you asked. If the answer is no, you lose nothing.
3
You hear back within two working days
Either way, with the reason if it is a no.
4
The credit check comes last
Only once affordability is established. By then the conversation is about what happened, not whether to bother.
Not sure whether your judgments are a problem? Send us three months of statements and we will tell you within two working days.
What you will need
- From around £900 to start, and more on the dearer cars. The first three months' rental. There is no no-deposit version.
- Income from work. Employed or self-employed, £1,500 a month minimum after tax.
- Payments up to date right now, including any judgment you are paying off.
- 21 or over, with a full UK driving licence.
- An address in mainland England or Wales.
For the full list of what you need, including how to get your bank statements right, see our guide.
What it costs
£299 to £499
a month, inc VAT
£900+
three months up front
36
months, road tax in
10,000
miles a year
Check if I can get this car
Photograph of the actual car.
BMW i3
125kW 42kWh
AUTO · 2020 · 55,000 miles · Mineral Grey/Black Roof
£320 per month
£960 to start, then 35 payments of £320 inc VAT
Photograph of the actual car.
Renault Zoe
100kW S Edition R135 50kWh Rapid Charge
AUTO · 2022 · 23,000 miles · Highland Grey
£320 per month
£960 to start, then 35 payments of £320 inc VAT
Going over the mileage costs between 10p and 14p per mile plus VAT, around 12p on most cars. Servicing, tyres, MOT and insurance are yours. Delivery and collection are free in mainland England and Wales.
A recent example
We recently helped a gentleman from Hampshire who had four CCJs. On paper, that is usually where the conversation ends. But his story was a familiar one. The judgments came out of a marriage that ended and the joint debts that followed, a genuinely difficult couple of years that were now firmly behind him.
He works as a production manager, taking home just over £3,000 a month, and his bank statements told a different story to his credit file. Every direct debit had gone out on time. There was always a balance in the account. And when he was asked about the CCJs, he could say exactly what each one was and what he had done about it.
He took a Nissan Qashqai on a three year agreement at £349 a month.
When we cannot help
- You cannot cover the first three months up front.
- Income from benefits only, with nothing earned alongside it.
- Important direct debits failing month after month. One or two that bounced and were sorted out is not the issue. A pattern is.
- You drive more than 20,000 miles a year.
- Undischarged bankruptcy, or under 21, or a provisional licence.
Questions people ask
Often, yes. One or two judgments, particularly older ones with a payment plan you have stuck to, are not a barrier for us. Several recent ones usually are.
It helps considerably. Satisfied tells anyone looking that you dealt with it. If you have an unsatisfied judgment and you are able to clear it, do that first.
Six years from the date of the judgment, unless you pay it in full within a month of the judgment being made, in which case it can be removed from the register altogether.
There is no number at which we stop. What gets weighed is whether you can say what each one was for, whether you are dealing with them, and whether the payments still work alongside a car. We have approved people with four judgments against them.
Yes, and we would rather you told us before we ask. There is a box on the application for it, and what you write there goes to the person who assesses your application with everything else.
Yes, but not first. Bank statements are read before any search is run. If the affordability does not work, nothing has touched your credit file.
That combination is common and it is not a problem in itself. The IVA brings an extra step, because you will need your Insolvency Practitioner's agreement. See our page on car leasing with an IVA.
Find out where you stand
Send us three months of bank statements and tell us about the judgment in your own words. We will come back to you within two working days, before any credit check is run.
Check if I qualify