CCJ Loans

Representative Example:

Borrow £3,500 over 12 months, repay £311.81 per month, total repayable £3,731.96. Interest rate 12.7% (variable). Representative APR 12.7%.


Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

CCJ loans allow you to borrow up to £10,000 even if you have had a CCJ in the past. At Payday Bad Credit, we are willing to take a view on those with bad credit histories and are interested in your desire to pay future loans off on time. If you have a stable income and your credit score is improving, you could be eligible to borrow up to £10,000 and receive funds within 1 hour of approval.

What is a CCJ loan?

A CCJ loan is where you are looking to apply for a loan with a CCJ on your credit record. If you have not paid a credit card, loan or bill for a long period of time, the debtor can take you to court and issue a ‘County Court Judgement,’ otherwise known as a CCJ. This acknowledges that the lender had to take you to court to retrieve their funds and is usually used as a collection method when all other attempts (such as phone calls, emails, letters) have been truly exhausted.

A CCJ will stay on your credit record for 6 years and will be ‘satisfied’ once the debt has been paid off, and ‘unsatisfied’ if the debt is still remaining.

Many direct payday lenders will treat CCJs with caution and if they see it when running a credit check, they will sometimes stay clear. However, at Payday Bad Credit, we appreciate that circumstances can change and if you have satisfied your CCJ or are getting closer to doing so and your credit score is improving, we can help you get the loan with a CCJ that you are looking for.

Why Apply For CCJ Loans with Payday Bad Credit?

  • No guarantor required
  • Bad credit considered
  • No fees for applying
  • Borrow up to £10,000
  • Repay over 6,9,12,18 or 24 months
  • Direct lender
  • 1 hour approval

Can I Get a CCJ Loan with No Guarantor?

Yes, it is possible to access a CCJ loan without a guarantor. Provided that you are employed, have a stable income and your credit score is improving and you are making more and more payments for other types of credit on time, you can apply and be eligible for a loan.

Having a guarantor is popular to get a bad credit loan, which involves having an extra person you know, ideally with good credit, to co-sign the loan agreement. This gives a lot of security to the lender that their loan will be paid back, because now they have an extra person that they can ask.

Like most lenders in the UK, we want some form or assurance that the loan will be paid on time. By having a regular income through work and not too many other loans or debt outstanding, you can apply for a CCJ loan online with no guarantor required.


What is The Eligibility For a Loan with a CCJ?

  • Over 18 years of age
  • Full time UK resident
  • Working in the UK and earning minimum £500 per month
  • Valid UK debit account, mobile and email address
  • Able to afford monthly repayments
  • CCJ is satisfied or in progress of being satisfied

Repayment Example

Borrow £3,500 over 12 months, repay £311.81 per month, total repayable £3,731.96. Interest rate 12.7% (variable). Representative APR 12.7%.

Payments are collected once per month on a day that you select. Most customers will choose the last working day of the month because this is usually when they will receive their income from work. However, you have the choice to select any date that is most convenient, whether it is the 15th, 20th or 25th.

Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Apply For a CCJ Loan with a Direct Lender

We are a direct lender, so when you apply, you have peace of mind knowing that we will be processing your application from start to finish, including any prior checks and funding the money to your bank account. Many customers prefer to work with CCJ loans direct lenders, because it offers more transparency and trust.

Our entire online application takes less than 2 minutes to complete, whether you are using a desktop, mobile or tablet – and you will receive an instant decision on the screen once completed. If successful, we will run some internal checks and can usually send money to your account within 1 hour or on the same day you apply.

If you do not meet our criteria, we may recommend you to a partner that can offer CCJ Loans – helping you maximise your chances of approval.

There are no fees for applying and it will not impact your credit score. Simply click on apply now below to get started.

Representative example:

Borrow £3,500 over 12 months, repay £311.81 per month, total repayable £3,731.96. Interest rate 12.7% (variable). Representative APR 12.7%.

Payday Bad Credit is a trading style of Western Circle Limited – Company Registration Number: 7581337. We are fully authorised and regulated by The Financial Conduct Authority.
FCA full permission license: 714479
ICO Registration Number: Z3305234

Payday Bad Credit terms and conditions apply.

Applicants must be 18 or over. All loans are subject to affordability, applicant verification and traditional credit checks via various national databases by Payday Bad Credit responsible lending policy. Loan limit maximum of £10,000.

In most cases, loan decisions may take up to 30 minutes during office working hours.
If your bank does not support Faster Payments, funds will be sent to your account the same day as approval so long as you’re approved by 16:30.