Having CCJ will affect your credit score, so there is a chance that you can get higher interest rate. However, there is no problem in getting instant CCJ loans with no guarantor from direct lender, if you have completed all your correct documents and once your application is approved, then you can easily get a loan within a few hours of your approval. As all the process is done online so for that you just need a few documents and recent sincerity to your current financial scenario. As CCJ can affect your credit history, it is better to apply on one place after going through with all the terms and conditions.

Which lender is preferable

There are many direct lenders in the UK like British Lenders, The Easy Loans etc.

Yes, you can get personal loans for bad credit when ever you need a loan to meet up with urgent needs