If you have entered an IVA, or still have one marked on your credit report, you could still find car finance. Here at Car Finance 247, we work with a panel of lenders to look for car finance solutions for people with a range of circumstances, including those with an IVA and bad credit. Bear in mind that you will need to seek permission from your Insolvency Practitioner before applying for car finance, and should they approve your application to apply, we would need to see confirmation of this. Credit is subject to status.

Having an IVA doesn't automatically mean you'll fail a credit check, but it may significantly impact your creditworthiness. Lenders may be more cautious in extending credit to individuals with IVAs.

Technically, you can apply for a loan while in an IVA, but it may be generally discouraged. Taking on additional debt during an IVA could jeopardise your ability to stick to the agreed repayment plan. For further details, please contact your Insolvency Practitioner.

You may be able to get a car on finance with bad credit. Here at Car Finance 247, we work with a wide panel of lenders and some of them could help people with poor credit scores explore car finance.

And it’s not necessarily all about your score; if provisionally approved, our lenders will consider each application individually and take a range of factors into account to try and find a finance option that’s affordable and right for you and your circumstances. Credit is subject to status.

Whilst we can’t guarantee that your finance application will be accepted, we will do our best to find the right deal for you.

We work with a wide panel of UK lenders, some of which may offer car finance options with no deposit – even if you have bad credit, subject to status.

If provisionally approved, speak to your account manager who can let you know how it works and what options are available to you.

At Car Finance 247, the car finance process starts with a quick, no obligation quote. As soon as we’ve received your online application, we’ll aim to find you the best deal from our panel of lenders. If we’re able to find you an approval in principle, your account manager will give you a call to discuss the next steps. They’ll guide you through the process, take care of all the admin, and even liaise with the dealer on your behalf.

You can choose a car from any verified dealer or check out our car search – home to over 95,000 used vehicles. We’ll then carry out all the checks, chase the lender, and make sure the dealership is kept in the loop so you can just sign on the dotted line and drive away.