Moneybarn seem to lend to those in IVAs or post IVA so perhaps worth trying them. It would be cheaper though to get the finance in a friend or relative's name and you could then pay them back.
In my opinion why cant you wait until your credit rating gets better over next 12 months. Moneybarn and others charge extortionate rates and then your tied in for at least 3 more years at massive over inflated rates.
My current job provides a company car but I have to give it back when I leave. The new job offers a much better salary but doesn't provide a car you see so I have to go buy one... The new job for the whole package was too good to turn down...
