If your credit rating is not as good as you'd like it to be, due to circumstances beyond your control, you can still apply for a Sprout Loan. Most traditional lenders simply won't consider people with a less than perfect credit history or those in an IVA.
At Sprout, it's a different story. We don't rely on automated credit checks. We're more interested in your credit future than your credit history. We offer loans to people in a wide range of circumstances, including those with a less than perfect credit history and for many purposes, including making a proposal to settle your IVA early.