Applying for car finance in Birmingham is quick and fully online with Carmoola. You’ll just need to answer a few simple questions in our app. We’ll run a soft credit check to confirm your eligibility, but it won’t affect your credit score.
Here’s what we’ll need from you:

• Your full name and date of birth
• Your address in Birmingham and how long you’ve lived there
• Your employment status and income before tax
• How much do you want to borrow

To finish your application, you’ll also need to upload:

• Proof of ID – like a UK driving licence
• Proof of income – like bank statements

Whether you’re based in Selly Oak or Sutton Coldfield, you can apply anytime, anywhere. To get started, Get A Budget!

Yes, you can get used car finance with no deposit in Birmingham, especially with HP car finance (Hire Purchase). For PCP car finance (Personal Contract Purchase), a 10% deposit is more common to reduce monthly repayments. Higher-value cars may be harder to finance with £0 upfront, but there are plenty of affordable options out there. Approval depends on the car’s make, model and price, and your eligibility. 

No, every car finance application in the UK requires a credit check. You might see ads for no credit check car finance online, but here’s the deal: all regulated lenders must carry out at least a soft credit check to assess your eligibility. It won’t affect your score, but it helps make sure any offer is fair and affordable. However, we'll run a full credit check, or 'hard credit search' if you choose to sign your Carmoola agreement, which may impact your credit profile.

Yes, you might still be eligible for car finance in Birmingham even with bad credit (low credit score). The amount you can borrow with a poor credit score varies by lender. It might be less than if you had good credit, and the interest rates may be higher. Providing a larger deposit or having a guarantor could increase the amount you're eligible to borrow. 

As a lender, Carmoola will look at your full financial picture. If we can’t help right now, we may be able to refer you to one of our trusted partners who might be able to. In those cases where we can’t offer finance ourselves, Carmoola will act as a credit broker.

Possibly, being unemployed doesn’t automatically mean you won’t qualify for car finance. However, lenders like Carmoola will need to see proof of income, such as benefits or self-employment earnings.

Birmingham can be a bit tricky to navigate, especially during rush hour. Traffic can be heavy, and parking can be limited in some areas. However, the city has a decent road network and several major highways. If you're planning to drive in Birmingham, it's a good idea to use a satnav, leave longer for your journeys just in case and be prepared for congestion.

Absolutely! Birmingham has an excellent public transportation system, including buses, trams, and trains. You can also use ride-hailing apps like Uber or Bolt for convenient transportation options. Additionally, Birmingham is a walkable city, with many attractions and amenities within walking distance.

Yes, there is a congestion charge in Birmingham. You will need to pay the Birmingham congestion charge if your vehicle is driven within the Clean Air Zone during the hours of operation. The zone is active 24 hours a day, seven days a week and covers an area of the city centre within the A4540 Middleway. You can find out more about whether your vehicle is exempt or not by using the following tool from the government: https://www.gov.uk/clean-air-zones