Guides
Loans after an IVA, DRO, DMP or Trust Deed
What loan providers look at after a debt solution, how to borrow sensibly, 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.
Written and reviewed by the AfterMy team · Last reviewed October 2026
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Can you get a loan after a debt solution?
Some loan providers consider people who have finished a debt solution. Each sets its own criteria, and acceptance is never guaranteed.
Borrow only what you need and can comfortably repay.
What do loan providers look at?
They look at your credit file, your income and outgoings, and how you've handled credit since your solution ended.
- Affordability: what's left each month once your bills are paid.
- Your record since your solution ended: on-time payments on what you already have.
- Your details: your credit file and electoral roll entry in order.
How do you check before you apply for a loan?
Checking before you apply helps you avoid declines and unnecessary hard searches.
After an IVA
1 guideAfter 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. It is not advice, and acceptance is never guaranteed.
Start your Comeback PlanAfter a Trust Deed
1 guideQuestions
Frequently asked questions
Will a loan help rebuild my credit?
Repaid on time, a loan adds to your record. Only borrow if you need to and the repayments are comfortable.
Can I get a loan 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. It is not advice, and acceptance is never guaranteed.
Start your Comeback Plan