Credit & affordability
Car & van hire after bankruptcy or an IVA
Bankruptcy or an IVA makes mainstream car finance very difficult, but short-term car and van hire is a far more realistic route — all credit is welcome and a guide quote needs no credit check. We work with partners experienced in helping people get mobile again after insolvency.
Free, no obligation · No credit check to get a quote · All credit welcome
Hiring during or after an IVA / bankruptcy
If you’re in an IVA, check with your insolvency practitioner about affordability before committing to any monthly cost. Once you’re discharged from bankruptcy, short-term hire is often achievable because it’s a rental, not new borrowing — your score matters far less than for finance.
A practical, no-pressure route
We’ll be straight with you about what’s realistic, match you to a suitable rental partner, and never apply pressure. You’re never charged to enquire and there’s no obligation.
How we work: we’re an introducer, not the rental company or a lender. We match you to a vetted short-term rental partner who confirms the final price and terms. You’re never charged to enquire, there’s no credit check to get a guide quote, and we tell you who we’re matching you with. This is short-term vehicle hire, not finance — no APR or credit agreement applies.
This is general information about short-term hire, not financial advice.
Questions, answered
Can I rent a car after bankruptcy?
Often yes, particularly once discharged. Short-term hire is far more accessible than finance because it’s a rental rather than new credit. All credit is welcome and enquiring needs no credit check.
I’m in an IVA — should I hire a vehicle?
You can enquire, but check the monthly cost with your insolvency practitioner first to be sure it fits your arrangement. We won’t pressure you either way.
How long are the hire terms?
Flexible short-term hire, roughly 6 to 36 months, with home delivery available. It’s a rental, not a multi-year finance agreement, so you’re not locked in.
Tell us your situation — we’ll match you
One short form, no credit check to get a quote. We’ll find the right short-term rental partner, usually the same working day.
Check my options →Related
Guide information · last reviewed August 2026. Your credit score and circumstances are personal — check your own credit report, and a rental partner makes the final decision.