Car finance eligibility checker

See if you’re eligible for a car loan - it's fast, free and has no impact on your credit score.

We only carry out a full credit check after you've signed your agreements and are ready to buy the car.

Representative 14.8% APR

How it works 🤔

first screen of the eligibility checker asking 'what is your current address?'

Tell us about you

Enter a few details like your name and address to get started

Car finance eligibility checker tool confirmation of pre-approval screen

Find out if you’re eligible

We run a soft credit check and you can find out whether you’re eligible within 60 seconds

Carmoola eligibility checker budget confirmation

Get a pre-approved budget

We will tell you how much you can borrow and your personal APR, tailored to your credit score

Eligibility and pre-approval are subject to further checks when you complete a full application through the Carmoola mobile app. We offer hire purchase loans between £2k-40k for used cars.

Why check your eligibility with Carmoola?

Pink icon displaying a pound sign with a cross through it

Quick, free 

and easy

It takes just minutes to find out if you’ve been approved

Padlock icon in pink

No risk to your
credit score

Check your eligibility with complete 
peace of mind

Percentage sign in pink

Understand your

personal APR

Find out how much your monthly repayments might be

What our customers are saying


“The easiest application for car finance I’ve ever had. Even the garage I purchased from was impressed at how quick the process was! Would recommend to anyone.”




“This is the best car finance company I’ve ever dealt with, they are the meaning of hassle free and I can guarantee they’ll be lower than you current finance on interest rates.”




“Went from a few questions answered honestly and quickly over whatsapp. To signing my refinance agreement and my existing finance company getting paid in under 2 hours. Simple, easy and stress free experience.”




“Applied for finance and literally was asked a few questions the day after to clarify some things. The same day I went through the dealership and car was ready to drive home the same day. Superb company and communication and the app is great.”




“Easy to use the app and very helpful staff. I also was given the best deal that nobody else could offer me. Thanks team Hanan, Kayleigh and Tom.”



What details do I need to provide?

To help the eligibility checker work its magic, you’ll need to enter a few details (don’t worry, we’ll take good care of them).

  • Your full name
  • Your date of birth
  • Your address
  • Your employment status
  • Your monthly income after tax
  • Any childcare or commuting costs


Here are some of the most frequently asked questions about car finance. Got more questions? Try our FAQs page 👍

Will this affect my credit score?

In order to let you know your eligibility, Carmoola will need to conduct a soft credit check. This won’t be visible to lenders and won’t affect your credit score. If you continue with a full application, a full credit check will be conducted only upon signing the agreement, which may impact your credit profile.

Why do you need my personal details?

We need to ask for a few personal details so we can run a soft credit check and make sure you match our eligibility criteria.

You can read more about how we process your personal information in our Privacy Policy.

What is an annual percentage rate (APR)?

Annual percentage rate - APR for short - represents the amount you’ll need to pay each year on your loan. This includes the interest due as well as any extra charges and admin costs. It’s usually shown as a percentage and is a handy way to compare different loans when weighing up your options.

What is a personal APR?

A personal or exact APR is the rate you’ll likely receive based on your individual circumstances and credit score as well as your preferred loan amount and term length.

How are the eligibility checker results shown?

There’s no need to keep refreshing your inbox or waiting for the post to arrive, you’ll receive your result on your laptop or phone screen just minutes after you’ve submitted all your details. We’ll send you an email too, just in case.

Who can use this service?

Anyone aged over 18 with a full driving licence and at least three years’ address history in the UK is free to use the eligibility checker.

What does pre-approved mean?

Your pre-approved budget is the amount we will be able to lend to you once we've verified all your information! This figure is subject to further checks and doesn't mean you're guaranteed to be accepted.
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What would you like to do first?

Download on the App Store
Get it on Google Play

Takes 60 seconds, no impact on your credit profile to see 
if you're approved 👍

Rates from as low as 6.9% APR, Representative 14.8% APR

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