Can I Apply For Car Finance Direct?

Applying for car finance direct, quickly, and easily is now possible. A number of years ago, car buyers who want to finance their cars had to go through tedious and confusing processes. But today, you can get car finance using just your smartphone. 

What Car Finance Was Like Before

Traditionally, car finance was available from banks and car dealers. Car buyers often rely on advertisements in newspapers, magazines, or television to know which financial institutions provide financing. You had to visit the bank or go to the dealership to know what types of financing they offer.

There wasn’t a lot of information available before you could visit the dealership or bank. This was challenging for car buyers because they didn’t know what to expect. Comparing deals was also a problem since going from one lender to another was just time-consuming and exhausting. Usually, they would just get the first deal that comes their way. 

The most aggressive and persuasive lenders would then convince car buyers to get their deal even if it wasn’t the best one out there. Many people who wanted to buy cars were simply daunted by the thought of being unable to say “no” to those lenders so they preferred to not get financing instead. The dream of driving a new car had to be given up. 

Car Finance Today

With today’s technology and better salesmanship, car financing is much better for car buyers. First of all, the availability of car finance 24/7 is here. You don’t have to go to any bank, dealership, or office just to submit your application. Everything can be done online, using your smartphone. 

Also, since you can apply for car finance online, you can do so any time of the day and any day of the week. If you ever find the car you want on a Sunday and it’s already 2 A.M., you can get your phone and with a few clicks, you’re on your way to getting car finance to make the purchase. 

Another thing you’ll love about today’s car financing is that you don’t have to deal with aggressive salespeople. No need to stay on the phone for long calls with even longer holding times as well. Car finance companies today process applications online, and they do so quickly and efficiently. 

Within a short time, you’ll know how much you can borrow and you can be on your way to buying your dream car. If you’re not yet satisfied with the deal, then you can shop around some more so you can find the best car finance companies in the UK. Comparing deals is also simple and easy since you can just Google it and go through the results of your search. 

There’s no reason for you not to get your dream car. The challenges that car buyers faced a decade ago are no longer a problem for you. Maybe the only challenge for you would be choosing among the great car finance deals available. But that’s a good thing because if you do your research well, you can get really good deals and you can save a lot of money. 

Why Choose Carmoola?

Carmoola makes car finance available to people who are at least 21 years old and a UK resident, who want to enjoy the freedom that having a car brings. It’s not simply about lending money to car buyers but it is also about making it possible for people to experience the benefits of owning a car. 

Whether you’re a student, an employee, a business owner, a person on benefits, or a pensioner, you can apply for car financing with Carmoola. All you need is your smartphone and an internet connection so you can download the app. 

Once it’s set, enter your name and other personal details. Get your driver’s licence or passport ready as well for the identity verification process. After that, you only have to wait a few minutes and you’ll immediately know the result of your application. Finally, once approved, you can buy the car you want. 

How to Prepare for Your Application

As you may already know, your credit score matters when it comes to getting car finance. If you have an excellent credit rating, then there shouldn’t be any problem. Just make sure that you make the monthly repayments on time so you can maintain your excellent score. 

However, if you don’t have a very good credit rating, don’t worry because you can still improve it. While credit scores don’t increase overnight, it’s worth waiting and working on getting your score up. You’ll get better deals if you have a good credit score. 

Start by paying any existing debts and loans so you can free up your credit space. Also, pay your bills on time because that will be recorded in your credit history. When car finance companies check your credit history and see that you’re reliable and responsible when it comes to payments, then they’ll see you as low-risk. You’ll get a better chance at scoring a good car finance deal. 

If you’re a young driver, it would be best to get your driver’s licence first because it lets the car finance company know that you’ve already passed your driver’s test and you’re legally allowed to drive. As a young driver, you might be worried that you don’t have a sufficient credit history yet. You can always get a guarantor to help you with your car finance application. 


For car buyers who are looking for car finance that’s direct and fast, Carmoola is among the best ones in the UK. You can apply anytime using your phone. No need to make a personal appearance or talk to a representative on the phone. Of course, if you have any questions, don’t hesitate to contact us!

Carmoola is available 24/7 so if you want any clarifications and questions about car finance, you can always reach out to us. We’re here and we’re ready to make your dream car a reality! Download Carmoola today and drive your new car home.