NEW! Refinance your existing car loan in 8 minutes and save 💰 Learn More


The wheels you’ve been waiting for

Get your car budget and be ready to pay in just a few minutes

Scan or click to get the Carmoola app 👇

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

The wheels you've been waiting for

Step 1

Get a budget for your next car

In just 60 seconds, find out how much you can spend on your new wheels.

Get Started

Representative Example

Borrowing £10,000 over 54 months with a representative APR of 14.8%, an annual interest rate of 14.8% (Fixed) and a deposit of £0.00, the amount payable would be £250 per month, with a total cost of credit of £3,500 and a total amount payable of £13,501, including a one-off Option to Purchase fee of £1.

We offer hire purchase loans between £2,000 - £40,000 at a personalised APR between 6.9% and 24.9%

Step 2

Verify your identity

No need to dig out bank statements or utility bills. We use the latest technology to give you a fast, paperless experience.

Fingerprint Accepted

Safe and secure

We use biometrics to make sure you are who you say you are

Identity Theft

Simple and swift

Get verified in minutes using only your driving licence

Smartphone Approve

Fully digital experience

No need for paperwork. All you need is an ID and a face

Step 3

Tell us about your new ride

Run a free history check and have complete peace of mind that you’ve chosen a great car.

Step 4

Pay with your Carmoola card

Checkout with Carmoola online, or in the showroom. Accepted at all online car-buying websites, and 1,000's of reputable dealerships.

Choose how you’d like to pay for your car


Pay for your car online

Use your card details at checkout when you pay on a website

Merchant Account

Pay with faster payments

Transfer money directly to the dealership's bank account



Pay with Apple or Google Pay

Add your Carmoola card to your wallet and tap to pay

Manage your finance

Spread the cost of your ride

The Carmoola app puts you in control,
so no more waiting on hold to a call centre!

Update payment date

Set the best payment date for you.
Top tip! Pick the date after you get paid.

Change payment method

Easily update your debit card details in the app if you need to

Make overpayments

You can make extra payments to pay off your loan faster

Helping you

24/7 support

Got a question? Our friendly, UK-based team is always on hand to help you, so get in touch anytime!

Cruise through car finance. The road is calling you.

Pay for your car with a plan that suits you.

Hit the Road with Carmoola

Representative 14.8% APR

Hit the road with Carmoola