I am in an Individual Voluntary Arrangement (IVA) or Debt Management Plan (DMP), can I still get car finance?

Help & Advice

Being in an IVA will have reduced your credit score and will affect the rate of interest you are offered on any finance options available to you and you are not likely to be offered the best rates available in the market.

When you’re in a DMP, you are still eligible to apply for finance. However, you will find that the rates you are offered will be less attractive than those for people with good to excellent credit histories. You should also contact your Debt Management Firm or Debt Advisor to discuss this. Any additional expenses for a car have to be managed within the plan, so Zuto will ask you to get consent before paying out the finance.

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