How Natalie from Manchester took control with Carmoola

Natalie knows a thing or two about making smart decisions, but when it came to car finance in Manchester, her first deal left her feeling overcharged and under-informed. That all changed when she found Carmoola.

She didn’t buy a new car; she refinanced the one she already loved. And in doing so, she gained not just better rates, but peace of mind, a simpler experience, and an app that finally put her in control.

Here’s how Carmoola made car finance feel clear, calm, and completely manageable.

Natalie’s experience reflects her own personal journey with Carmoola.

Why did you switch to Carmoola?

Natalie: "I refinanced with Carmoola, so I didn't actually originally purchase the car through Carmoola. I did purchase it from somebody else. And I quickly realised that I was paying well over the odds with my first finance company that I did take the car out with."

Her biggest concern? Getting trapped in complicated contracts.

Natalie: "I don't like the thought of being tied into contracts, tied into legal things, it, it does scare me…but as soon as I did do the refinancing with Carmoola, I did realise quickly that they were simple, it wasn't worded out in a scary way. It was quite reassuring, and I save money as well."

What was our application process like?

Natalie: "The application process was really easy. I did end up using the app to do my application. In a matter of minutes, the decision was there on the screen."

Even when she had questions, the Carmoola team was there.

Natalie: "I didn't so much need support, but I did ask a couple of questions, and my questions were answered there and then straight away. It felt like, wow, this is actually doable."

How did you know you could trust Carmoola?

Natalie: “Everything is set out in plain and simple words. You know exactly what you’re getting, when your payments are coming out, how much you owe. You even get a courtesy text before your direct debit. So you always know where you’re up to.”

No pressure. No jargon. Just confidence at every step.

How has the car changed your day-to-day?

Natalie: "It changes our daily life by enabling us to go more places. We do take the children out quite a lot, nearly every weekend, or through the school holidays, because I get the school holidays off, so we're always out, we're always out and about. We do like to go on holidays as well in the UK, so that enables us to get to and from there too."

From days out with the kids to weekend breaks around the UK, having a reliable car matters. And she’s found it unexpectedly practical, too.

Natalie: “My little car has saved me so much money on road tax and fuel alone... IKEA trip? No problem (as long as it’s not a triple wardrobe of course). Quick nip to the shop in winter? The heaters warm up super quickly so I’m not freezing cold.”

And the kids?

Natalie: "They don’t care as long as they’re not walking!"

Would you recommend Carmoola?

Natalie: "Anybody that's looking to either refinance or get a financed car for the first time. Definitely. It's always been so straightforward, so simple. It's been transparent from the start. I knew what I was paying, I knew what I wasn't, and I knew when I knew how many payments I've got left as well on the car. There was a percentage thing as well on the app to say how much of your car you actually own. Yeah. So, that's nice to see that coming down every month as well."

Her one wish? That she’d done it sooner.

Natalie: "How easy it was to get a newer car, one that I actually like, one that's reliable, and for such little payment every month."

Natalie’s story proves that refinancing isn’t about starting over. It’s about stepping up. With Carmoola, she took the driver’s seat (financially and literally).

Want to feel the same?

Find out more about Carmoola car finance.

Natalie was compensated to share her story with Carmoola.

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