Find car finance matched to your situation
Get behind the wheel with car finance from lenders who work with people who have completed a debt solution. Whether you prefer hire purchase or a personal loan, compare deals and find a plan that works for you.
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Why choose us
Why customers use NextPath for car finance
A partner that understands IVAs and car finance, helping you navigate what is realistic and appropriate for your situation.
Specialist IVA lenders
We work with lenders who regularly support IVA customers, so you can quickly see what car finance might be possible.
We help manage the IVA process
We explain when supervisor approval is needed and how to keep your IVA on track if you take out car finance.
Support when a vehicle is essential
For many people, a vehicle is essential for work, family and getting about. If you need to replace your car during an IVA, we can help.
- Commuting to work
- Family responsibilities
- Everyday travel
Borrow in 1, 2, 3
A clear, three-step path from car finance enquiry to understanding your options.
We focus on lenders and products built for post-debt solution car finance, so you can see if there's an agreement that works for you.
Share your details
You provide some basic information about your current vehicle and circumstances.
Takes around 2 minutes
Check IVA requirements
We help you understand whether supervisor approval may be required.
Checking options won't affect your credit score
Connect with a specialist
If appropriate, we connect you with a specialist finance partner who can assess your options.
Best deals from our partner lenders
Compare car finance options
See how hire purchase (HP), personal contract purchase (PCP) and personal loans typically differ, so you can decide which route might be right for you.
Requires initial deposit
Car is yours at the end of the agreement
Fixed monthly payments
Optional balloon (final) payment
Avoid excess mileage charge
Secured against an asset (e.g. a car)
Support with vehicle issues
Available with bad credit score
This table is a general guide only. Features and eligibility can vary between lenders and products. We’ll explain the specific terms for any options you are matched with before you decide whether to go ahead.
Key information
- Rates and terms vary by lender
- Personalised rate shown before you apply
- Subject to status and affordability
- Our broker service is free
- Lender fees may apply depending on the product
- Always compare the total cost before proceeding
How we work
- Credit broker, not a lender
- We introduce you to FCA-authorised lenders
- We may receive commission — this doesn't affect your cost
- No obligation to proceed
- Authorised and regulated by the FCA
- Free to seek independent advice
Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
Car finance during an IVA — FAQs
Common questions about exploring car finance options while in an IVA, supervisor approval and how NextPath can help.
Can I get car finance during an IVA?
It may be possible in certain circumstances, particularly where a vehicle is essential for work, family or everyday travel. Options may be more limited than outside an IVA, and any finance is subject to lender assessment and affordability checks. NextPath helps you explore what may be available.
Do I need permission from my IVA supervisor?
Some credit agreements during an IVA may require supervisor approval; others may not. NextPath helps you understand when approval may be required and when it may not, and can guide you through the process of updating your supervisor where appropriate so everything is handled correctly.
Will applying or exploring options affect my IVA?
Exploring your options with NextPath does not change your IVA. If you enter into a new credit agreement, your IVA terms may require supervisor approval or notification. We help you understand what is needed so you can stay compliant with your arrangement.
Why might I be contacted before my current car finance ends?
Through our partnership with Ebenegate, customers may be contacted well in advance of their car finance renewal. This gives you time to understand your options, explore possible solutions and plan next steps before your current agreement ends, which can help avoid disruption if your vehicle is essential.
What information might my IVA supervisor need?
Requirements vary by IVA provider and your arrangement. NextPath can help you understand what information is typically needed and support you in preparing it, so that any communication with your supervisor or creditors is clear and complete. We do not give legal advice; your supervisor can confirm their exact requirements.
Does NextPath guarantee car finance or give legal advice?
No. NextPath provides information and introductions to FCA-authorised finance partners. We do not make lending decisions and cannot guarantee that you will be approved for finance. Our service is guidance and process support to help you explore options and manage the IVA process where relevant—it is not legal advice. For legal or IVA-specific questions, you should speak to your IVA supervisor or a qualified adviser.
Am I obliged to use NextPath or can I go elsewhere?
There is no obligation to proceed. You remain free to explore other providers at any time. We aim to make it easier to understand your options and, if appropriate, connect you with specialist partners—but the choice to use us or someone else is always yours.
Will checking my options affect my credit score?
Looking at indicative car finance options with us will not show on your credit file in the same way as a full application. Before any lender carries out a credit search that could leave a visible footprint, we will explain what is happening so you can decide whether to proceed.