Getting a car with a County Court Judgment on your record used to seem impossible, but modern finance has changed that reality significantly. Many people assume their past financial troubles permanently block vehicle ownership, yet specialist brokers now work with lenders who see beyond credit scores. Car Plus demonstrates how CCJ car finance works in practice. Representative examples show rates from 9.9% APR, with typical monthly payments around £185.33 for a £7,000 loan over 60 months at 21.9% APR. The critical factor isn't your judgment but your current income and ability to repay. Lenders perform soft credit checks initially, protecting your score while assessing affordability. Most applications receive decisions within 24 hours, making the entire process surprisingly efficient for those with CCJ histories.