While you have an IVA (individual voluntary arrangement), there are rules over not taking out further credit, such as loans and credit cards.
You’ll need written permission from the insolvency practitioner (IP) supervising the arrangement before you can borrow any further money.
IVAs are arranged by StepChange Voluntary Arrangements, part of StepChange Debt Charity.
Considering an IVA?
They aren't available if you live in Scotland. In Scotland, a protected trust deed is a similar solution, but has different benefits, risks and fees associated with it.