Having a County Court Judgement (CCJ) on your credit record can present additional challenges when applying for a secured loan. A CCJ is a court order issued against you for failing to repay a debt. Lenders may be hesitant to approve a loan if they see a CCJ on your credit history, as it indicates a history of non-payment.
However, it's not impossible to get a secured loan with a CCJ. Some lenders may be willing to work with you if you can provide sufficient collateral and demonstrate improved financial management since the CCJ. It's crucial to be open and honest about your past financial difficulties and provide explanations and evidence of how you have addressed and resolved the issue.