Audi A3 1.6 TDI Sport Saloon 4dr Diesel Manual Euro 6 (s/s) (110 ps)
52,238 miles · Diesel · Red
£10,000est. £280/mo*
Car finance with an IVA
An Individual Voluntary Arrangement doesn't end your options. Finance during or after an IVA is harder, but specialist lenders do consider it — and we can talk you through what's realistic before you apply for anything.
The important rule about active IVAs
If your IVA is still running, you'll usually need written permission from your insolvency practitioner before taking on new credit above a set amount (commonly £500). We'll 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've 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'll be straight with you about what's possible now versus what's worth waiting for, and the eligibility check is a soft search with no impact on your credit score.
Finance is subject to status, affordability and lender approval. Over 18s, UK residents only. Checking your eligibility uses a soft credit search which does not affect your credit score and is not visible to other lenders.
A few from the forecourt
Cars available on finance
Nissan Qashqai 1.5 dCi N-Connecta SUV 5dr Diesel Manual Euro 6 (s/s) (110 ps)
42,439 miles · Diesel · Blue
£11,000est. £310/mo*
Volkswagen T-ROC 1.0 TSI Gpf S SUV 5dr Petrol Manual Euro 6 (s/s) (115 ps)
80,714 miles · Petrol · Grey
£10,000est. £280/mo*
*Estimated monthly figures are illustrative, based on the representative example in the footer.
FAQs
Car finance with an IVA — common questions
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.
Will checking eligibility affect my IVA?
No. A soft search doesn't affect your credit file, and there's 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.
Two minutes. Soft search. Straight answer.
Check your eligibility now, or call the dealership on 01772 971422 — we're open seven days.
Check my eligibility Finance is subject to status, affordability and lender approval. Over 18s, UK residents only.