Credit & affordability
Car & van hire after a CCJ or default
A County Court Judgment (CCJ) or a default on your file makes car finance hard to get, but short-term car and van hire is far more accessible — all credit is welcome and a guide quote never involves a credit check. We match you to partners who routinely work with people rebuilding after a credit event.
Free, no obligation · No credit check to get a quote · All credit welcome
Hiring with a CCJ or default on file
Because hire is a rental rather than a loan, a CCJ or default weighs far less than it would on a finance application. A partner still makes the final call and may ask for a larger upfront amount, but a single judgment rarely rules you out.
We’re honest that there are no guarantees — but enquiring is free, carries no obligation, and leaves no mark.
What to expect
Being upfront about your situation speeds things up. Knowing your budget, the term you need and what you can pay upfront lets us match you to the right partner the same working day in many cases.
How we work: we’re an introducer, not the rental company or a lender. We match you to a vetted short-term rental partner who confirms the final price and terms. You’re never charged to enquire, there’s no credit check to get a guide quote, and we tell you who we’re matching you with. This is short-term vehicle hire, not finance — no APR or credit agreement applies.
This is general information about short-term hire, not financial advice.
Questions, answered
Can I rent a car with a CCJ?
In most cases yes. Short-term hire is far more accessible than finance, all credit is welcome, and a CCJ is far less of a barrier for a rental than a loan. A partner may ask for more upfront, and makes the final decision.
Is there a credit check to get a quote?
No. Getting a guide quote from us involves no credit check and leaves no mark on your file — we’re an introducer, not the rental company. A rental partner may run its own checks later, only with your permission.
How long are the hire terms?
Flexible short-term hire, roughly 6 to 36 months, with home delivery available. It’s a rental, not a multi-year finance agreement, so you’re not locked in.
Tell us your situation — we’ll match you
One short form, no credit check to get a quote. We’ll find the right short-term rental partner, usually the same working day.
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Guide information · last reviewed August 2026. Your credit score and circumstances are personal — check your own credit report, and a rental partner makes the final decision.