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CCJ Loans

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. We specialise in helping people with CCJs by finding CCJ loans, even if you’ve been rejected by other lenders.

  • Personal or homeowner loans available
  • Loans for almost any purpose, including CCJ loans
Did you know we can offer personal loans from £100-10k and homeowner loans for £10k-£100k?
Are you a homeowner?
You can also borrow this amount as a homeowner loan, available over 3 to 25 years. Would you prefer this?

Unsecured loans:
49.9%
APR Representative (variable)
Homeowner loans: We have helped people with rates from 3.0% APRC to 26.4% APRC.

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.

It’s important you send back all of your court forms and say what you can afford to repay. This is so the County Court can consider your circumstances and your income and outgoings before they make a decision about how the debt should be repaid.


The CCJ will tell you:

  • How much you owe
  • How much you need to repay
  • Who you need to pay
  • The deadline for payments

It’ll be recorded on your credit file for 6 years, which could make it more difficult, or more expensive to borrow money during this time. However, even if you have a CCJ, we could help by offering our expert assistance in finding loans when you have a CCJ.

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.

If you’re interested in exploring loans even with a CCJ, then be sure to look through our detailed guide below, which should help you decide whether a CCJ loan is right for you.

For more information, read our comprehensive guide to CCJs here

Common questions

What types of loan are available with Ocean Finance?

You can apply for two different types of loan – a homeowner loan or a personal loan.

A homeowner loan is often called a secured loan because it’s secured against your property. Therefore, you need to own your own home to be eligible to apply for one. This gives lenders added security if you fail to meet your repayments. However, because the loan is secured against your home, it could be at risk if you do miss payments.

Homeowner loans are for large amounts of money - £10,000 to £100,000 and can be repaid over 3 to 25 years.

A personal loan is different because you don’t have to be a homeowner to be eligible. They’re generally for smaller amounts of money - £100 to £10,000 and can be repaid over 3 to 60 months.

What can I use a loan for?

We help people find a loan for lots of different things. Whether you want to consolidate your existing debts with a new loan so you have just one lower monthly payment, or make some home improvements, you can use an Ocean loan for almost any purpose.

What is the difference between a homeowner loan and a personal loan?

The main difference is that to apply for a homeowner, or secured loan, you need to own your property. This isn't the case with a personal loan.

If you’re a homeowner, you may be more likely to be accepted for a homeowner loan, especially if your credit rating isn't perfect. This is because homeowner loans offer lenders more security as it’s secured against your property. Remember, your home could be at risk if you don’t meet your monthly repayments.

I’ve been rejected by other lenders, can I still apply?

Yes, even if other lenders have rejected you, we may still be able to help. We specialise in helping people with less than perfect credit ratings. We’ll look at your individual circumstances, and, if we can, we’ll find you a loan that’s right for you.

Why use Ocean Finance?

Applying for a loan with Ocean is really quick and simple – we just need a few details and can get you an immediate quote.

  • Personal loans from £100 to £10,000
  • Homeowner loans from £10,000 to £100,000
  • We may still be able to help if you’ve got CCJs, mortgage arrears, defaults or an adverse credit rating
  • No up-front fees

Other types of loans we offer