Can you get van finance after a CCJ?

A CCJ is issued when a debt remains unpaid and legal action is taken. It is recorded on your credit file and can have a significant impact on how lenders assess your application, particularly in the early years.

While a CCJ can make borrowing more difficult, it does not mean van finance is impossible in every situation.

How CCJs affect van finance

Many mainstream lenders apply strict criteria and may decline applications that include a County Court Judgment.

However, specialist van finance lenders often take a more flexible approach and assess applications based on the full financial picture, not just the presence of a CCJ.

What lenders may consider

When assessing an application that includes a CCJ, lenders may look at several factors, including:

• How old the CCJ is
• Whether the CCJ has been settled or remains outstanding
• Your current income and affordability
• Your recent payment behaviour on other credit commitments

What can help your application

A stable income, realistic borrowing expectations, and a clear understanding of your finances can all improve your chances of approval.

In many cases, lenders place more weight on how you manage your finances now rather than issues from the past.