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
49.9% APR Representative (variable)
How much can I borrow?
It depends on which type of CCJ loan you apply for. Here at Ocean, you can borrow between £100 and £10,000 with a personal CCJ loan and £10,000 and £100,000 with a secured CCJ loan.
One thing to bear in mind when applying for a CCJ loan is that the interest rate you’re offered is likely to be higher - whichever type you go for, and that’s because the best interest rates are saved for people with the best credit histories.
Why? Steep interest rates reflect the level of risk lenders are taking by accepting someone with a bad credit history and the worse the record, generally speaking, the higher the interest.
Unsecured loans: 49.9% APR Representative (variable). Ocean Finance is a trading style of Intelligent Lending limited. We are a credit broker working with a panel of lenders to find you a personal loan.
Homeowner loans are secured against your property. We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. A broker fee of 12% of the net loan amount, set at a minimum of £995 and capped at a maximum of £3995 is payable upon completion and can be added to your loan.