If you’ve had a County Court Judgement (CCJ) registered against you within the last 6 years, you may find it more difficult, or more expensive to find a loan. You may be interested in payday loans with ccjs and at BingoLoans, we are willing to review all credit histories. If you are interested and have the desire to pay future loans off on time, you could be able to help you.
What is a County Court Judgement?
A County Court Judgement, or CCJ, is a type of court order in England, Wales and Northern Ireland. They’re known as Decrees in Scotland as the laws are different.
When you owe a lender money and do not repay it, they can apply to the County Court to register a judgement against you to claim back their money. The court will look at the case, and if it decides you should pay what you owe, they will take out a CCJ against you.
A CCJ will stay on your credit record for 6 years. It will be ‘satisfied’ once the debt has been paid off, and ‘unsatisfied’ if the debt is still remaining. So, this can make it hard to secure payday loans with ccjs.
Loans for people with County Court Judgements
Getting accepted for a loan when you have a County Court Judgement may seem hard to come by, but we have a great deal of experience and expertise in finding loans for people who have CCJs or bad credit histories. We look at everyone’s circumstances individually, as we know one size doesn’t fit all, and if we can help, we will.
Payday Loans with CCJs
Many direct payday lenders will treat CCJs with caution. If they see it when running a credit check, they will sometimes stay clear. However, at BingoLoans, 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.
Applying For a CCJ Loan
We are a direct lender and broker, we can offer you the best of both worlds. So when you apply, we will be processing your application from start to finish. This includes any prior checks and funding the money to your bank account.
Our entire online application takes less than 2 minutes to complete. Whether you are using a desktop, mobile or tablet, you can access it anywhere. You will receive an instant decision on the screen once completed.
If you do not meet our criteria, we will send your application to one of our panel of lenders that can offer CCJ Loans. Helping you maximise your chances of approval.