Guides
Car finance after an IVA, DRO, DMP or Trust Deed
What car finance lenders look at after a debt solution, how hire purchase and PCP work, and how to check before you apply, with a guide for each solution.
Free to use, no obligation. The plan itself won't affect your credit score. It is not advice, and acceptance is never guaranteed.
Written and reviewed by the AfterMy team · Last reviewed October 2026
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Can you get car finance after a debt solution?
Yes. There are lenders that consider people who have finished a debt solution. Each sets its own criteria, and acceptance is never guaranteed.
Choose a monthly payment that fits comfortably, with room for insurance, fuel and servicing.
What do car finance lenders look at?
They look at your credit file, your income and outgoings, and how you've managed money since your solution ended.
- Affordability: whether the monthly payment fits alongside your bills.
- Your record since your solution ended: bills and credit paid on time.
- Your details: an accurate credit file and an up-to-date electoral roll entry.
How do hire purchase and PCP work?
With hire purchase you pay a fixed amount each month and the car is yours after the last payment. PCP has lower monthly payments and a larger optional final payment if you want to keep the car.
With both, the lender owns the car until the agreement is paid off.
After an IVA
2 guidesAfter a DRO
1 guideFinished your debt solution? Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback PlanAfter a DMP
1 guideAfter a Trust Deed
1 guideQuestions
Frequently asked questions
Will applying for car finance affect my credit score?
A full application leaves a hard search on your file, so check your eligibility before you apply and avoid applying to several lenders at once.
Can I get car finance while I'm still in my solution?
Borrowing during an arrangement has rules attached, so the focus while it's running is getting ready. The guides for your solution explain what applies.
Ready when you are
Your Comeback Plan maps your dates and shows options from our panel you may be able to apply for.
Start your Comeback PlanFree to use, no obligation. The plan itself won't affect your credit score.