IVA Car Finance

In an IVA?
There is a route, with permission.

Car finance during an IVA is possible, but your insolvency practitioner has to agree first. We will tell you exactly what they will want to see before anything goes near a lender.

Get Your Free Quote 💬 WhatsApp Us

No obligation · Takes 2 minutes · All credit considered

ICO Registered — ZC067741
All credit considered
Response within 2 hours
UK based team

Simple Process

How it works

01

Submit your enquiry

Fill in the short form below. Takes under 2 minutes and there's no credit check at this stage.

02

We make the introduction

We pass your details to lenders who consider situations like yours — including some that do not deal with the public directly.

03

They come back to you

Any offers come to you from the provider direct. You decide whether to take one, and you can walk away — there is no obligation.

04

On the road

You complete the paperwork with the provider direct. Most people are driving within days of approval.

Why choose us

We work with the IVA, not around it

🔍

A broad panel

We work with a broad panel of lenders rather than a single provider, so your details reach the ones most likely to consider you.

📋

Your IP comes first

We will not put an application in that your insolvency practitioner has not approved. Doing so can breach your arrangement, and that is a far bigger problem than not getting the car.

Fast decisions

Most enquiries get a response within 2 hours. No waiting days to find out if you qualify.

🛡️

No hard credit check

Your initial enquiry uses a soft search only. Your credit score won't be affected until you say yes.

Get your free quote

No obligation. No hard credit check. Response within 2 hours.

🔒 Your data is protected under ICO registration ZC067741. We never sell your details.

✅ Enquiry received!

Thanks — one of our advisors will be in touch within 2 hours.
In the meantime, feel free to WhatsApp us if you have any questions.

Common Questions

IVAs and car finance, answered

Usually only with your insolvency practitioner's written permission. Most IVAs restrict borrowing above a set amount — commonly £500 — without approval. Taking finance without it can be treated as a breach and put your arrangement at risk, so this step is not optional.
Most commonly when the vehicle is necessary to earn the income that funds the IVA payments — getting to work, or the car is the job. If losing your transport would jeopardise the arrangement, approval becomes a great deal more likely.
Considerably. On completion you get a certificate, and the IVA is marked as satisfied. It still shows on your file for six years from the start date, but a completed IVA is treated far better than an active one, and more lenders will consider you.
Yes, realistically. IVA lending sits firmly in the adverse bracket and is priced accordingly. The affordability assessment will also be strict, because the lender knows your income already has a monthly commitment against it.
Your IP's written approval, proof of income, recent bank statements and details of your IVA payment. Having the approval in hand before we approach anyone saves a great deal of time and avoids wasted applications.