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Funded over £298m worth of cars
Car Finance Provider of the Year
Highest rated car finance app
95% Customer satisfaction*
Why we exist
It started with a "No." Our founder, Aidan, was trying to buy a car. Instead of an exciting weekend, he got hit with a mountain of paperwork, confusing jargon, and days of waiting just to get an answer. It felt like the 1990s called and wanted their process back.
He thought: “Buying a car is one of the biggest purchases we ever make. Why is the finance part so painful?”
We’re here to change the "No" into a "Go." We believe car finance should be as easy as ordering a pizza and as clear as a freshly polished windscreen. We stand for:
Speed
Decisions in seconds,
not days.
Fairness
No hidden commissions or unexpected fees.
Control
You know your budget before you even visit the forecourt - that’s real purchasing power.
Our journey so far
March 2021The Idea: Carmoola is born.
March 2022The Launch: Our app goes live, putting instant car finance decisions in your pocket.
March 2022Customer Number One: Carl buys a Ford S-Max, becoming the first person to buy a car the Carmoola way.
February 2023Serious Fuel: Secured £103.5m in funding to ensure we’re here for the long haul.
May 2024Award-Winning: Voted ‘Best Consumer Proposition’ for making car finance fair and transparent.
October 2024Top Startup: Named a Bloomberg ‘Startup to Watch’ for shaking up a broken industry.
July 2025More Choice: Launched PCP finance to provide even more flexibility at checkout.
July 2025Industry Recognition: We win Car Finance Provider of the Year at the Credit Awards
September 2025Future Proof: Carmoola joins The Sunday Times 100 Tech, ranking as Britain’s eighth-fastest growing private tech company.
Meet the team
We aren’t a faceless bank. We’re a team of car lovers, tech geeks, and customer champions. Here are some of the people working under the hood at Carmoola to make your motoring life easier.
After being frustrated by the old way, he decided to build the new way.
Making the complex simple, so that using our app isn’t just easy, it’s crazy easy.
Building the rock-solid technology that powers Carmoola today and keeps up as we grow.
Designing secure, user-friendly systems that quietly do the hard work behind the scenes.
Making sure that every time you contact us, it feels like you’re speaking to a friend.
Working with the best dealerships across the UK to make sure you can drive away in "the one” with no fuss.
After being frustrated by the old way, he decided to build the new way.
Making the complex simple, so that using our app isn’t just easy, it’s crazy easy.
Building the rock-solid technology that powers Carmoola today and keeps up as we grow.
Designing secure, user-friendly systems that quietly do the hard work behind the scenes.
Making sure that every time you contact us, it feels like you’re speaking to a friend.
Working with the best dealerships across the UK to make sure you can drive away in "the one” with no fuss.
Want to join the ride?
Awards and Recognition
Carmoola is an award-winning car finance lender, recognised for shaking up the industry and putting customers first.
Hear it from
our customers
Backed by established investors
Carmoola’s backers really understand financial services and can see the impact we’re having on car buying - we’re supported by household names like NatWest, as well as established venture capital firms like QED Investors, AlleyCorp and VentureFriends.
These are the same companies who helped build world-class brands like Klarna and Clearscore. They believe in a better way to buy cars, and they’ve given us the stability and fuel to keep innovating for years to come.
We’ve raised over £540m to date.
