Look here, I've been writing about motors for twenty years and I'll tell thee straight about CCJ car finance without any fancy nonsense. County Court Judgments happen to good folk who've hit rough patches, and there's nowt shameful about needing help getting back on road. While researching this piece, I spent time on
Carplus checking their offerings for people in similar situations. Their example shows clear costs with £7,000 borrowed over five years costing £185.33 monthly at 21.9% representative APR, totaling £11,119.81 with £4,119.81 interest charges. That's honest pricing without hidden surprises. CCJs stick around for six years unless you pay within 30 days, but satisfied ones show lenders you've sorted your debts properly. Soft searches protect your credit score during applications while specialist lenders focus on current income rather than past troubles. Most decisions arrive within 24 hours, which beats waiting weeks for bank responses. Bottom line, if you've got steady income above £1,000 monthly and need reliable transport, options exist for getting sorted.