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CCJ Loans No Guarantor Direct Lender

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Check your eligibility first. It won’t affect your credit score.

  • Borrow £1,000 to £8,000
  • Repay over 12 to 60 months
  • No guarantor required
Check my eligibility now This won't affect your credit score

Important: Having a CCJ does not guarantee acceptance. Credit is subject to status, affordability and credit checks.

Representative example: Amount of credit £2,000 for 24 months. Interest rate: 41.2% pa (fixed). 24 scheduled monthly payments of £123.64. Total amount payable: £2,967.43 Representative 49.9% APR.

Looking for a CCJ loan with no guarantor?

If you have a County Court Judgment (CCJ), it can make borrowing feel more complicated. Many people search for CCJ loans no guarantor direct lender because they want a straightforward application that is assessed on their own circumstances, without asking a friend or family member to back the loan.

118 118 Money is a direct UK lender. That means you deal with us directly rather than being passed from broker to broker.

Can you get a loan with a CCJ and no guarantor?

Potentially, yes. A CCJ does not automatically mean you will be declined. Lenders normally look at a combination of:

  • Your current affordability (income and outgoings)
  • Your credit history, including CCJs and missed payments
  • Stability factors such as employment and address history

If the repayments are affordable and you meet our checks, you may be eligible. It’s always worth using an eligibility check before applying.

Satisfied vs unsatisfied CCJs

If you’re comparing lenders, you’ll often see references to satisfied and unsatisfied CCJs:

  • Satisfied CCJ: the debt has been paid in full.
  • Unsatisfied CCJ: the debt has not been paid in full.

Different lenders treat this differently, but in general, a satisfied CCJ can be a more positive signal than an unsatisfied one. Either way, affordability matters.

What “direct lender” means for CCJ loans

A direct lender makes the lending decision and provides the funds. With a broker, your details may be sent to multiple lenders. If you want more control over where your information goes, using a direct lender can feel simpler.

Check your eligibility for a CCJ loan with no guarantor
Get a quick decision without affecting your credit score.
Check my eligibility This won't affect your credit score
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What we look at when you apply

We assess applications individually. These are common parts of the process:

Affordability checks. We review income and outgoings to help make sure repayments are manageable.

Credit checks. We consider your credit profile, including CCJs, missed payments and overall history.

Loan structure. The amount and term you choose can affect monthly repayments and acceptance likelihood.

Responsible lending. Credit is offered only if it’s suitable and affordable.

Clear next steps. If eligible, you can set up your account, direct debit and sign online.

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3 simple steps to a decision

  • Check your eligibility with no impact to your credit score
  • Complete your application and set up your direct debit
  • Receive funds in 15 minutes*
Check my eligibility This won't affect your credit score. *This can vary from 15 minutes to 2 hours depending on your bank.

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CCJ Loans No Guarantor FAQs

It can be possible, depending on your circumstances. A CCJ does not automatically mean you will be declined. We carry out credit and affordability checks to decide whether repayments are manageable.

No. Our eligibility check helps you see whether you are likely to be accepted without affecting your credit score.

A satisfied CCJ means the debt has been paid. An unsatisfied CCJ means the debt has not been paid in full. This can affect how lenders assess applications, alongside affordability.

Yes. 118 118 Money is the trading name of Madison CF UK Limited. Credit is subject to status, affordability and credit checks.

Once approved and set up, funds could be received in as little as 15 minutes. This can vary from 15 minutes to 2 hours depending on your bank.

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Ready to check your eligibility?

See whether you are likely to be accepted before you apply. It won’t affect your credit score.

Check my eligibility
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Credit is subject to status, affordability and credit checks. Credit is only available to UK residents aged 18 and over. Terms and conditions apply.