Car finance beyond your credit score
Get pre-approved based on your affordability today, not just your credit score
No impact on your credit score 👍
Takes only 60 seconds.
Representative 13.9% APR
How Lee got approved for car finance
Lee didn’t think he’d qualify for car finance because his "credit rating wasn't fantastic".
Now he’s on the road in his dream car, with monthly payments that actually work for him.
How does Carmoola work
An answer in 60 seconds
See how much you can borrow for your next car. No impact on your credit score to apply.
Build a plan that fits you
Change your deposit, loan terms and monthly payments in real-time to suit your budget with zero pressure to commit.
Checkout in a tap
Found your dream car? Run free car history checks in the app and pay the dealer.
Can Carmoola help?
Your past shouldn't stall your future. That’s why Carmoola considers all credit histories.
To start, just answer a few questions.
(No impact on your credit score)
T&Cs apply. Finance subject to status. Borrow responsibly.
6461674
customers applied
4.8
stars on Trustpilot
9771
dealerships
#1
fastest growing car finance app
Everything you need to know
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. Check your chances.
Why Carmoola?
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Decision in 60 seconds ⚡ |
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No hidden fees 🔍 |
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Free car checks 🧑🔧 |
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Pay with Google or Apple Pay 📱 |
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4.9 on Trustpilot ⭐ |
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Ready when you are.
Get a budget for your new car in 60 seconds