Being in an Individual Voluntary Arrangement (IVA) doesn’t mean you’re stuck without transport. At Deal4Wheels, we work with IVA-friendly lenders who understand your situation and can offer finance — even during your IVA term — with the right permissions.
We run a soft credit check — no score impactYou provide consent — from your IVA supervisorWe match you with lenders — specialising in insolvency-aware underwritingChoose your finance product — HP or Conditional SaleDrive away — once affordability and permissions are verifiedActive IVA welcomeSatisfied IVA acceptedGuarantor usually not requiredPayments structured to match your incomeCustomers with an active IVA or recently satisfied IVAThose needing a vehicle for work, family, or mobilityApplicants with stable income & documented affordabilityYour IVA firm must consent (we help with the template letter)Interest rates may reflect insolvency riskLenders may limit vehicle age or mileageYes — with permission from your IVA provider. We help secure deals through lenders who understand your financial plan.
We can provide a standard letter template for you to send, and we’re happy to liaise with your IVA firm if needed.
Typically, cars valued under £10,000 with reasonable insurance and maintenance costs. We guide you to lender-approved stock.
In most cases, no — affordability and supervisor consent are the key factors.
Your monthly payment must be approved as affordable by your IVA supervisor — we structure deals within your disposable income.
