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Pre-application Support

Can I get car finance while in an IVA?

Being in an IVA doesn’t mean that you cannot get approved for car finance. Firstly, understanding what an IVA is and how one can affect your ability to be approved for finance, are the first steps to consider.

What is an IVA?

An individual voluntary arrangement, more commonly known as an IVA, is a legally binding agreement between you and your creditors to pay back your debts over a set period of time. This can be in the form of a one-off payment, known as a lump sum IVA, or it could be over a longer period where the payments are spread out over a number of years.

Can Zuto help customers in an IVA?

If you are currently in an IVA, getting car finance can be very difficult. However, it’s not impossible, and Zuto work with specialist lenders who help customers get car finance with a poorer credit score.

We’d recommend applying for finance online, which won’t impact your credit score, and if accepted, one of our specialist team will give you a call and explain any next steps which will include things like what documents the lender requires when in an IVA.


Applying with Zuto doesn’t impact your credit score. We use your details to search our large panel of lenders to find you the best deal we can. If accepted, and you choose to proceed with the offer, this will show up on your credit file.

Written by

Mike Barlow

Content Manager

Mike has worked at Zuto since 2018 and uses his experience within the industry to help customers understand the ins and outs of car finance.

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