CCJ Loans
Apply for
Up to £5,000

  • This field is for validation purposes and should be left unchanged.

Representative Example: Amount of credit: £500 for 12 months at £79.09 per month. Total amount repayable of £949.08. Interest: £449.08. Interest rate: 140% p.a. fixed*. 278% APR Representative. Rates between 9.9% APR and 1295% APR.

What is a CCJ Loan? 


A CCJ loan allows you to borrow money even if you have had a CCJ in the past or currently have one open. A CCJ refers to a ‘County Court Judgement’ which is a court order for not paying back a loan or financial product.


Once all forms of collection have not been successful (emails, letters), a lender can take you to court and you are given a CCJ on your credit file which lasts for 6 years. A CCJ becomes ‘satisfied’ if it has been paid, or it remains ‘dissatisfied’ if it has not been paid.


There are a number of UK lenders who willing to offer CCJ loans and they consider that an individual’s person circumstances can change and provided they meet the eligibility criteria, can still borrow £100 to £5,000.

How Can I Get a CCJ Loan from Badger Loans? 


Badger Loans is an authorised broker who works with over 40 different lenders in the UK, many of whom are willing to offer loans for CCJs.


Using our loans matching technology, we are able to match your application with the lender most likely to approve you.


Whilst some direct lenders may be reluctant to lend to people with bad credit, we offer a simple and practical way to find the best lender for you, without having to apply with lots of different companies and make lots of applications.


Best of all, there are no upfront fees for applying and we will not pass on your details to any other lenders or companies without permission.

What is the Criteria with Badger Loans?


  • 18 years of age or older
  • Full-time UK resident
  • Stable employment and income
  • Valid UK bank account
  • Valid UK
  • Able to afford monthly repayments


To be eligible for a CCJ loan, you will need to demonstrate your ability to repay your loan on time. Most lenders want to see that you have a stable job in place and are earning consistently every month – since this will be used to pay off your monthly repayments.


In addition, you should avoid having too many other loans open since this can put you at a higher risk and make you less desirable to other lenders.

What Types of CCJ Loans Are Available?


A CCJ loan may be unsecured, secured or require a guarantor in order be approved. When you apply with Badger Loans, we will consider the amount you wish to offer, how long for and your current credit status – and we will match your enquiry with the best product type and lender most likely to approve your loan.

Loan TypeDescriptionBorrowing AmountBorrowing PeriodOther Key Features
Unsecured LoansThis is a type of loan that is not secured or requires any form of assets or collateral.You can simply apply based on your income and credit status – however, a good or fair credit score is typically required in this case.£300 – £25,0003-84 MonthsRates from min 3.1% APR, max 1326% APR
Secured loansA type of loan that is secured against one of the borrower’s valuable assets, such as a vehicle, property, jewellery or anything of value.You risk losing this asset or item if you do not repay your loan on time.£10,000 – £250,0001 – 15 years.This is sometimes a better option for people with bad credit or those looking to borrow large sums. Your asset must be owned by you and maintain its value.
Guarantor loansThis is where you can ddd a family member, spouse or close friend  to ‘guarantee’ your loan and cover any future missed repayments. The guarantor does not have to give any money upfront – they just need to co-sign the loan agreement.£500 – £15,00012 – 84 months.Rates around 49.7% Rep APR. and available within 48 hours with no upfront fees.

How Much Can I Borrow? 


Customers can apply to borrow up to £5,000, repaid over 2 to 60 months. Usually having some form of a security such as a guarantor will help you boost the amount you would like to borrow. Otherwise, it will be based on your income, affordability and how much you can afford to borrow without falling into financial difficulty.

Are There CCJ Loans with Direct Lenders?


Yes, we work with CCJ loans direct lenders, so once you have completed our online application, you will be working with the lender directly. This means that the underwriting process, the funding, all repayments and future correspondence will be handled by the lender we match you with.



Can I Get a CCJ Loan with No Guarantor?


Yes, it is possible to be approved for a CCJ loan with no guarantor involved, but since guarantor loans are popular for people with bad credit, you will be required to meet the other criteria such as having a stable income and low debt-to-loan ratio.


If I Have a CCJ, Does This Mean I Cannot Get a Loan in The Future?


Not necessarily, there are a number of lenders in the market who are willing to take a view on CCJs. Certainly, if your previous debt has been satisfied and you have continued to pay other forms of credit on time and your financial position is improving, you can certainly be eligible for future credit.

To assist those looking for CCJ loans, you may just find that the right you have been charged is slightly higher than the average borrower, in order to accommodate for the future risk of default. Equally, you may find that you need to use some form of collateral or added security to be eligible – such as using a guarantor or borrowing against a vehicle or property.




How To Apply


Our entire loan application is completed online and you can get an instant decision in less than 5 minutes. You will be required to enter your details using a desktop, mobile or tablet and you can apply 24 hours a day, 7 days a week.

We ask you to include your name, age, address, income, expenses and bank details, so the lender knows where to send your funds too. The lender you have been paired with may carry out some additional checks and if successful, you can usually receive funds on the same day of applying.

Apply for a CCJ Loan Online

Representative Example: Amount of credit: £500 for 12 months at £79.09 per month. Total amount repayable of £949.08. Interest: £449.08. Interest rate: 140% p.a. fixed*. 278% APR Representative. Rates between 9.9% APR and 1295% APR.


we make the loan process easy

Loans in Black & White…  we have the answer right here for you!

badger loans are as black & white as this…

badger loans are as black & white as this…

apply online
we search lenders and providers
await decision
if accepted, receive your loan