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Car finance with an IVA
An Individual Voluntary Arrangement does not end your options. Finance during or after an IVA is harder, but specialist lenders do consider it, and we can talk you through what is realistic before you apply for anything.
- FCA-authorised credit brokerNot a lender · FRN 954552
- No credit check until you say soSoft search only, no impact on your score
- Real dealership in KirkhamBlackpool Road, PR4 2RE · open 7 days
- Family-run, 30+ years in the tradeSpeak to the people who supply the car
- Collect from KirkhamDelivery may be available
The honest position: an active IVA is the hardest case on this site, and a completed one is far more workable than most people expect.
The important rule about active IVAs
If your IVA is still running, you will usually need written permission from your insolvency practitioner before taking on new credit above a set amount (commonly £500). We will never encourage you to skip that step; it protects your arrangement.
After your IVA completes
Once you have your completion certificate, more doors open. The IVA stays on your credit file for six years from its start date, but lenders increasingly look at how you have managed money since. A modest, affordable agreement paid on time can be part of rebuilding.
How we help
Tell us where you are in the process. We will be straight with you about what is possible now versus what is worth waiting for, and we will not put an application anywhere without your say-so.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. We only run a soft-search eligibility check after we have spoken to you and you have agreed to it. A soft search does not affect your credit score and is not visible to other lenders. We are a credit broker, not a lender.
Three straightforward steps
No pressure at any point, and you are free to stop whenever you like. A hard credit search only ever happens at full application, and we will tell you before it does.
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Tell us where you stand
A short form, about two minutes. Sending it does not run any credit check by itself and puts you under no obligation.
No credit check at this stage -
We call you before anything is searched
A person reads your enquiry and phones you. Only once you have agreed do we run a soft-search eligibility check with lenders on our panel who consider adverse credit. A soft search leaves no footprint and other lenders cannot see it.
Invisible to other lenders -
We come back with honest options
Real figures on real cars from our Kirkham forecourt, or a straight explanation if we cannot help right now. You choose whether to go ahead.
Collect from Kirkham or ask about delivery
Work out a monthly figure you are comfortable with
£250.96 / month (illustrative)
These figures are illustrative only and not an offer of finance. They use the representative APR; your rate and payment depend on your circumstances and the lender's decision. Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.
Cars available on finance
*Estimated monthly figures are illustrative, based on the representative example in the footer.
Can I get car finance while my IVA is active?
Possibly, usually with your insolvency practitioner's written permission for credit above the limit in your arrangement. Specialist lenders consider these applications case by case, subject to status.
Will checking eligibility affect my IVA?
No. A soft search does not affect your credit file and there is no obligation. Taking out actual credit is the step that needs IP permission.
I completed my IVA last year. Where do I stand?
Better than you might think. Bring your completion certificate; lenders weigh your conduct since the IVA started, not just the entry itself. Finance remains subject to affordability and lender approval.
Our promise: we will tell you if we cannot help, and why. No one can guarantee car finance, and anybody who says otherwise is selling you something.
Two minutes. Soft search. Straight answer.
Tell us where you stand. It takes about two minutes, sending the form does not run a credit check by itself, and there is no obligation.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Credit broker, not a lender.