Cruise through your car loan

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

Get My Budget

Rates from as low as 6.9% APR,
Representative 13.9% APR

Everything you're wondering about

How does Carmoola work?

Get approved for car finance in just 60 seconds - with zero impact on your credit score to apply. Simply answer a few quick questions to see your budget and monthly payment. Run free history checks on cars that catch your eye, and then buy at thousands of dealerships nationwide. It's car finance on your terms.

Where can I buy a car using Carmoola?

You can buy from over 9,000 approved dealerships across the UK - both physical showrooms and online dealers. If your chosen dealer isn't listed, our team will review them and can often add them within minutes.

Can I change my mind after getting approved?

Absolutely! Until you actually sign your agreement and pay for a car, you can walk away anytime. You stay in complete control.

I've got a car already - could I refinance with you?

Yes! Just complete our form to get your budget, then follow the instructions in our app.

Is there a minimum age?

We can accept customers aged 18 to 75.

I'm new to the UK - can I still apply?

Yes - we welcome applications from people who've been in the UK for less than 3 years. To approve your application, we'll need to assess your UK credit history, and building sufficient credit history for us to make a lending decision can take time. The good news is that checking your budget with us won't affect your credit score, so there's no harm in applying to see if you're eligible!

Why Carmoola?

	Carmoola	The old way
Decision in 60 seconds ⚡
No hidden fees 🔍
Free car checks 🧑‍🔧
Pay with Google or Apple Pay 📱
4.9 on Trustpilot ⭐

Cruise through your car loan

Rates from as low as 6.9% APR, Representative 13.9% APR

Everything you're wondering about

Why Carmoola?

Rates from as low as 6.9% APR,
Representative 13.9% APR