When considering the acquisition of a vehicle while under an Individual Voluntary Agreement, one must understand the regulatory landscape first. The primary hurdle involves securing written permission from your Insolvency Practitioner who will rigorously assess your income versus debts to ensure affordability. While mainstream banks often decline such applications due to the perceived risk, specialist brokers can facilitate access to willing lenders. It is crucial to prove that the vehicle is essential for work or daily living, and you can find specific eligibility criteria and procedural steps at Car Plus Be prepared for a thorough review of your financial history before any agreement is finalised.