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We could help you get car finance, even if you:

IVA (Individual Voluntary Arrangement) or DMP (Debt Management Plan)

CCJ (County Court Judgement)

Loan defaults

Have previously been declared bankrupt

Have no deposit

I am still in an IVA or Debt Plan can I get car finance?

Approval for car finance

If you have a history of bad credit it might be due to one of the following:

Many lenders won’t consider your application if you are in any of these situations. That’s because they won’t want to risk lending to people who have a record of missed or late payments.

At Red Potato, we specialise in providing car finance for those who have bad credit, IVA or DMP. As a bad credit car finance provider, we were set up to arrange car finance for those who struggle elsewhere. We understand that your financial past may not be a true reflection of your situation now, so we consider much more than this when you apply.

We still consider your application, but in most cases, we will require more information from you so that we can assess your situation on an individual basis. Below is the information that we will need from you:

Individual Voluntary Agreement (IVA)

An IVA is an agreement between you and your creditors. Its purpose is to help you pay off your debts at a more affordable rate.

If you’re in an IVA and looking for car finance, we will require information from your creditors as well as a letter of permission from your Insolvency Practitioner (IP). They will either accept or decline your request to take a car on hire purchase. If approved, they will also provide you with a monthly budget that you must follow.

County Court Judgement (CCJ)

A CCJ is a type of court order that can be registered against you if you fail to repay money that you owe. This is only in England, Northern Ireland and Wales; the process in Scotland differs from this and is known as enforcing a debt by diligence.

If you have a resolved or unresolved CCJ then we will require more information on this including how long ago it was and your financial situation now.

Loan defaults

If you have previously defaulted on payments then we can still consider your application but may request a copy of your UK driving licence and evidence of your income (such as payslips or bank statements).

We’re here to help

If you have financial difficulties, whether these are current or if you have overcome them now, we understand that you will be conscious of not overspending and keeping to a budget.

We are authorised and regulated by the Financial Conduct Authority (FCA), so you can be confident that we will never offer you a finance agreement that you can’t afford and will work with you to get the best car deal for you.

How do I get my perfect car?

Follow the quick 3 steps below to find out if you would be accepted - No impact to your Credit Score, No obligation

Traffic light image explaining step 1, 2 and 3 of the car finance process

Representative Example

Loan amount of £7,500 with a monthly repayment of £191.63 over a term of 60 months at a rate of 10.66% interest per annum (fixed). This is equivalent to 19.9% APR representative. Interest repayable is £3,997.80 with an option to purchase fee of £10.00.  Total amount repayable is £11,507.80.

Calculate what you could borrow

Our Car Finance Calculator can help you work out the cost of your monthly repayments based on your car budget.


Rate of interest (Fixed) Per Annum 16.24%. Representative 29.9% APR

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 19.9%, the amount payable would be £162.34 a month, option to purchase fee £10.00, with a total cost of credit of £2,302.32 and a total amount payable of £7,802.32

Smooth transfer, no issues

Friendly, efficient service with flexible methods to accommodate my unique needs. Would use again without a doubt. Well done Red Potato!
Rebecca Nicholas

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‘What is a soft credit search?’ A soft credit search enables us to understand your circumstances and ensure we are able to proceed with your application for car finance. The search differs from a hard credit search because it does not leave a footprint on your credit file which is visible to other lenders. ‘Why do we carry out a soft credit search?’ We are regulated by the Financial Conduct Authority and the finance provider we work with has a duty to lend responsibly to customers without potentially causing financial hardship. The soft credit search gives us a snapshot of your current and most recent financial circumstances so we can make sure that your application meets the finance provider’s eligibility criteria. If there are no immediate causes for concern we can progress your application with the finance provider who will complete affordability checks.

Thank you for your application

The team are currently reviewing your application and working with our panel of lenders to source the best finance deal for you.

As soon as we have secured a finance offer, one of our car finance experts will call you from 0800 197 9758. Our team will guide you through your finance approval and we can work with most reputable dealers to find the car of your choice.

Should you have any queries, please contact us on 0800 197 9758 or e-mail us at

We are available Monday to Friday 8:00 AM to 5:00 PM.

Thank you for your application.

One of our friendly advisers will be in touch shortly to discuss the next steps to finding you finance!

We have a range of over 10,000 vehicles to choose from nationwide, so we’re sure we’ll have the perfect car for you.

This website is operated by Premium Plan Limited. Red Potato is a trading name of Premium Plan Limited, which is registered in England with Company No 05977118. Registered office: Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire, NG31 0EA. Premium Plan Limited is authorised and regulated by the Financial Conduct Authority (FRN: 742272). The Red Potato name and logo are trademarks of Totemic Limited. Premium Plan Limited is a member of the Finance & Leasing Association (FLA).