Can You Lease a Car with a CCJ?

Published 21 August 2025

If you’ve been turned away for car leasing because of poor credit or a County Court Judgment (CCJ) on your file, you’re not alone. Many mainstream brokers automatically reject CCJ applicants based entirely on credit scores.

The reality is that you can still lease a car with a CCJ, provided you work with a specialist provider like Compass Vehicle Services (CVS).

At CVS, we help individuals and businesses with poor credit secure vehicles through Personal Contract Hire (PCH) and Business Contract Hire (BCH). Because we finance all our vehicles in-house, we can look beyond automated credit checks and provide a tailored deal that fits your current affordability.

Why a CCJ Affects Leasing

A County Court Judgment stays on your credit file for six years and is usually treated as a red flag by high-street lenders. Mainstream companies often rely only on automated systems, which means a CCJ almost always leads to rejection.

At CVS, we do things differently. Every application is reviewed by a person—not just a computer. We assess your circumstances fairly, using bank statements and income details to judge whether you can afford the monthly rentals.

Leasing a Car with a CCJ Through CVS

Here’s how we make it possible to lease a car with a CCJ:

• Direct in-house funding — no restrictive third-party lender rules.
• Individual application reviews — we don’t rely solely on credit scores.
• Focus on affordability today — we look at your income and expenditure now, not just your past.
• Tailored PCH and BCH agreements — whether for personal use or a company vehicle, we build the right contract hire package for you.

This means that even if you’ve been refused elsewhere, CVS may still be able to provide you with a suitable leasing option.

Can You Finance a Car with a CCJ?

A very common search is “Can you finance a car with a CCJ?” The answer is yes — but it often depends on the type of finance you mean.

At Compass Vehicle Services, we don’t provide finance products that lead to car ownership, such as Hire Purchase (HP) or PCP. What we do provide is vehicle finance through Contract Hire (PCH and BCH).

So if you’re searching for ways to finance a car with a CCJ, contract hire may be the perfect solution. It offers:

• Fixed monthly rentals with no surprise costs
• Road tax included for the duration of the lease
• The option to upgrade to a new vehicle at the end of the agreement

You never own the car with contract hire, but for many people—especially those rebuilding their credit profile—this is a more manageable and flexible approach.

FAQs – Leasing & Contract Hire with a CCJ

Q: Is it possible to lease a car with a CCJ?
Yes, specialist providers like CVS help customers with CCJs secure PCH or BCH deals.

Q: I searched “finance a car with a CCJ.” Does CVS offer this?
Yes, but through Contract Hire only (not car ownership products like HP/PCP).

Q: Do I need a large deposit with bad credit?
Not always, but putting more in upfront can help reduce monthly rentals.

Q: Can businesses with CCJs get vehicles on contract hire?
Yes, we regularly approve BCH applications for companies with credit challenges.

Final Thoughts

Having a CCJ does not need to stop you from driving a reliable vehicle. If you’ve been rejected by mainstream brokers or lenders, Compass Vehicle Services provides a fairer and more flexible option.

Whether you’re trying to lease a car with a CCJ or looking for ways to finance a car with a CCJ through contract hire, we treat every application individually and match you with a deal that fits your affordability.

👉 Contact Compass Vehicle Services today to discuss PCH or BCH car leasing, even if you have a CCJ.