Truck Finance Rates

Bad Credit HGV Finance - Truck Finance with Adverse Credit History

A previous County Court Judgment (CCJ), missed payments, default or business credit issues does not automatically prevent you from financing a truck.

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Doulton Money Limited · FCA No. 814533 · No obligation enquiry

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We'll email you back with any additional questions, then match you with the right specialist for your situation.
A specialist independent broker will contact you to discuss your situation and present options.

Written by David Doulton · Last updated November 2026

A previous County Court Judgment (CCJ), missed payments, default or business credit issues does not automatically prevent you from financing a truck. The UK HGV finance market includes specialist lenders who evaluate the whole picture - not just a credit score. At Doulton Bridging Finance, we work with lenders experienced in adverse credit HGV applications.

What Lenders Consider with Adverse Credit

Type of adverse - CCJ, default, missed payment, IVA, bankruptcy
Date of adverse - recent issues (under 2 years) are more serious than older
Satisfaction status - satisfied CCJs are viewed more favourably than unsatisfied
Amount - a small satisfied CCJ from 3 years ago is very different from a current £50,000 unsatisfied judgment
Current financial position - a business that had difficulties but is now stable and profitable can still qualify
Deposit - a larger deposit reduces lender risk and improves approval odds

We are always transparent with applicants about what we can and cannot arrange. If a financing solution is not currently achievable, we will tell you clearly and advise on what steps might improve your position.

Get Indicative Terms 0204 6211776

FAQs

Frequently asked questions

Can I get truck finance with a CCJ?

Possibly, yes. It depends on the age, amount and satisfaction status of the CCJ, and your current financial position. We submit to specialist lenders who evaluate adverse credit applications on their individual merits.

Can I get HGV finance after bankruptcy?

After discharge (typically 1 year from the date of bankruptcy order in the UK), it becomes possible to access finance again. Rates and deposit requirements will be higher. We work with specialist lenders in this space.

What if I am in an IVA?

Financing during an active IVA is very difficult - your IVA agreement may prohibit taking on new credit without the IP's permission. After successful completion of an IVA, finance becomes more accessible. Speak to us about your specific situation.

Will applying affect my credit score?

A "soft search" to establish indicative terms will not affect your credit score. A formal credit application (a "hard search") will appear on your credit file. We discuss this with you before submitting formal applications.

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Doulton Money Limited t/a Doulton Bridging Finance. FCA No. 814533. Company No. 14303203. 20 Wenlock Road, London N1 7GU. Commercial vehicle finance is not regulated by the FCA. Rates indicative only. Subject to credit assessment, trading history, asset type, operator licence status and lender criteria. Rates correct November 2026.