Can I still get finance for a supercar with CCJs?

January 15, 2025
Blog
1 min read
Aston Martin vehicle for lease purchase

Understanding your options

Many lenders take a negative view of finance applications where a County Court Judgment (CCJ) is present. This becomes even more restrictive when applying for higher-value finance, such as supercars or luxury vehicles.

In many cases, applications are automatically declined, or significantly reduced loan amounts are offered, making it difficult to proceed with a purchase.

Why do CCJs affect finance applications?

A CCJ indicates that a debt has been formally recognised through the courts, which can raise concerns for lenders around credit management and repayment behaviour.

While some CCJs may relate to relatively minor matters — such as unpaid parking fines — others may involve more substantial amounts. Regardless of the reason, the presence of a CCJ can impact how traditional lenders assess risk.

CCJs typically remain on your credit file for six years, during which time they can affect your ability to access finance.

Is it still possible to get finance with a CCJ?

While more challenging, obtaining finance with a CCJ is not always impossible.

Traditional lenders often rely on automated systems and rigid criteria, which may not reflect your full financial position — particularly if your circumstances have improved since the CCJ was issued.

A more considered approach

At GT HUB, we take a broader view of each application.

Rather than relying solely on credit scores, we look at the full picture — including your current financial position, income, and overall circumstances.

This approach allows us to consider applications that may fall outside standard lending criteria, particularly for supercar and classic vehicle finance.

What to expect

If you have a CCJ and are looking to finance a vehicle:

  • Your application will be assessed on its individual merits
  • We will review your current financial position and affordability
  • Additional information may be required to support your application
  • Terms will be tailored to reflect your circumstances

Final thoughts

A CCJ does not automatically prevent you from obtaining finance, but it does mean that a more flexible and considered approach is required.

If you are looking to finance a supercar or luxury vehicle and have CCJs on your record, it may still be possible to find a suitable solution.

Speak to GT HUB

If you would like to discuss your situation, submit an enquiry and our team will review your circumstances in detail.
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