Quidmarket will never charge you any fees. You should never pay upfront fees for a loan or send money in return for a loan.

CCJ Loans

We provide CCJ loans, which are specially designed for individuals with County Court Judgments on their credit reports. These loans give you the opportunity to improve your emergency financial situation and potentially improve your credit subject to affordability checks.

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£300 £1500
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As a new customer the minimum repayment period is 3 months and the maximum is 6 months. Additional options may be available to you as a repeat customer. *Applications submitted outside normal business hours will be processed on the next working day. *All applications are subject to affordability checks*

Representative example: Borrow £300 for 3 months / Interest payable £154.38 / Total amount payable: £454.38 in 3 instalments / 3 payments of £151.46 / Representative 1307.1% APR / Interest rate 292% per annum (fixed) / Maximum APR 1623.90%

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CCJ Loan Eligibility

We understand that having a County Court Judgment (CCJ) on your credit report can make it challenging to find a loan provider in the UK. However, we believe that everyone deserves the chance to improve their finances. That’s why, as direct loan providers, we are happy to consider loans to individuals with CCJs as long as they can pass affordability checks.

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Are Loans With CCJ History Right For You?

You have CCJs in your credit history – If you have been issued a CCJ in the last 6 years, you may have wondered whether it is possible to be accepted for a loan from a CCJ loans direct lender. Even if you have bad credit, you can apply for our loans for CCJ and bad credit borrowers.

Your credit score is low – Many direct lenders don’t offer loans if your credit score is low, but because we take the time to assess all applications for affordability, we may be able to help those with bad credit due to a CCJ. We focus on your monthly income, essential spending, and financial commitments when assessing a loan for CCJ applicants, taking a personal approach to every application.


Loans For CCJ With No Guarantor

Applying for a CCJ loan is simple and takes just minutes. We understand having a CCJ can make obtaining loans from anyone except a CCJ loans direct lender difficult. As a CCJ loans no guarantor direct lender, our approach is different to traditional lenders because we consider each application on a case-by-case basis.

Our application process is simple and straightforward when looking to get a loan when you have a CCJ. Click Apply Now and provide us with some basic information about yourself, your finances, and your employment. We only ask for what we need to make a lending decision and keep the process as easy as possible for you.

  • 01 Application Process

    We’ll provide you with a decision in principle agreement within minutes of completing your application.

  • 02 Underwriting Process

    Our expert underwriting team will then review your application and conduct credit and affordability checks.

  • 03 Loan Repayment

    A Continuous Payment Authority (CPA) on your bank account will process repayments, which will continue until your loan is repaid.

Why Apply For a CCJ Loan With QuidMarket

Opting for loans with a CCJ from us means getting a personalised and case-by-case approach to lending, with a team of friendly loan experts always available to guide you through the process.

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UK CCJ Loans With No Hidden Fees

We prioritise transparency and honesty in our lending process when applying for loans with a CCJ. You can trust that there won’t be any hidden surprises, even when you’re looking for quick payday loans with a CCJ. We explain repayment terms, and there are no late payment fees or upfront costs. As an FCA-authorised direct lender, you can trust that we operate to the highest standards of professionalism.

We understand that having bad credit can make obtaining loans with a CCJ on your credit file challenging, which is why we offer loans for CCJ and bad credit applicants. Unlike other lenders who may solely base their decisions on credit history, we take a more personalised approach to lending.

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icon check image Easy To Apply Apply in minutes with our simple application process, designed to be easy to understand.
wallet image icon Affordable Flexible repayment plans to fit your budget and keep you on track with your repayments.
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Related News / Guides


CCJ loans are loans designed for individuals who have a County Court Judgment against them, which can make it challenging to secure traditional loans from banks and other lenders. However, with QuidMarket, it is possible to obtain even loans with a CCJ. As a very bad credit CCJ loans direct lender, our loans are based on affordability rather than solely on credit history. This means that we look at your current income, essential monthly spending, and other financial commitments to determine whether you can make repayments sustainably. While we do check your credit history, this is not the only factor we consider. We assess each application individually and take a personal approach to ensure that our loans are flexible and accessible.

If you have a CCJ on your record and are looking for a loan, QuidMarket may be able to help. Our short term loans are designed to be flexible and provide options for those who have been turned away by another CCJ loans direct lender in the UK. We are a very bad credit CCJ loans direct lender, authorised by the FCA, with no hidden costs. Contact our friendly team today to find out more about how we can help you achieve our same day loans.

We understand that not everyone has a guarantor to support their loan application, and we do not require one for our CCJ loans at QuidMarket. This means that you can apply for a loan without having to ask a family member or friend to co-sign for you.

Getting a CCJ loan without a guarantor offers more flexibility in the application process, as you do not need to find someone who is willing and able to support your loan application. This can be particularly helpful if you are applying for a loan for a sensitive or personal matter, such as covering unexpected expenses or an emergency.

Our application process for loans with a CCJ is incredibly fast at QuidMarket, and part of this is because applicants don’t need to wait around for potential guarantors to come forward and co-sign on their loans. If approved, this can mean you get access to the funds you need faster and with less hassle.

When you take out a CCJ loan with us, we will agree on a repayment plan with you that suits your budget and income. This agreement will outline your repayment schedule, including the amount to be paid back each month and the total amount of interest to be paid. We provide flexible repayments between 3 – 6 months to spread the costs.

Repayments are typically made via a continuous repayment arrangement, which will be set up during the application process. We understand that circumstances can change, and if you are struggling to make a repayment, it is important to contact us as soon as possible. We may be able to offer a repayment plan that is more manageable for you.

We do not charge any late payment fees or upfront costs, as we believe in being transparent and fair with our customers. We aim to make the repayment process as simple and stress-free as possible, ensuring that you can focus on paying back your loan without any added worry or confusion. If you have any further questions about how repayments work with CCJ loans, please do not hesitate to contact our friendly team, who will gladly assist you.

If you’re looking for CCJ loans, QuidMarket is an excellent choice. Not only do we make the application process easy, but we also take the time to evaluate each submission to ensure affordability. Our commitment to responsible lending means that we won’t approve your application if we believe you may struggle to meet repayment terms, protecting your financial wellbeing.

Instead of solely relying on credit history, we offer loans for people with a CCJ history if they can prove they can afford their loan repayments and meet our eligibility criteria.

Our CCJ loans are designed to be as flexible as possible, providing you with the financial support you need, whether it’s to cover an emergency expense or a temporary cash flow issue. If you have any questions about our CCJ loans, you may find the answers in our FAQs. But if you need more help and advice for your application, our friendly team is always on hand to assist you. Choose QuidMarket for loans for people with CCJs and experience the benefits of working with a trusted and responsible lender.

To be eligible for our loans for people with a CCJ, you must meet our criteria listed below:

  • Be between the ages of 23 and 65
  • Be a resident of the United Kingdom
  • Have a valid mobile number to receive text messages
  • Possess a current UK bank account with a valid debit card
  • Be employed and receive a take-home salary of at least £1,250 per month

Once you meet these requirements, you can begin the application process, which includes affordability checks and may require additional documentation. To ensure a smooth application process, filling out the form accurately is essential to avoid any mistakes. We also run checks with Credit Reference Agencies and Fraud Prevention Agencies.

We prioritise responsible lending and always keep our customers’ best interests in mind. Therefore, we may have to decline your application if we feel that you would struggle to meet repayments. We want to help you avoid any financial difficulties and prevent missed repayments from negatively affecting your credit file.

Warning: Late repayment can cause you serious money problems. For help, visit: www.moneyhelper.org.uk