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


Refinance and save money

Already have a car loan? See if you could save money by switching to Carmoola!

Switch and Save

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


See how easy it is to switch

Did you know that you can switch your car loan anytime? Just grab your early settlement quote and see how much you can save. With Carmoola, you can switch in 8 minutes, all from your smartphone.

Step 1

Get a new rate and budget

In a few questions, find out your new rate and budget for refinancing

Get Started

Step 2

Refinance your deal

Pay your settlement quote with your Carmoola card or by bank transfer

Enjoy your new lower monthly payments and save money!

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

Why switch to Carmoola?

Anyone can switch their existing car loan by getting an early settlement quote. With Carmoola, you can switch in 8 minutes, all from your smartphone.

Vector (1) (1)

Swift and simple to switch

Vector (2)

Save money every month

Vector (1)

24/7 friendly customer support

Vector (3)

Freedom to flex your plan

Vector (4)

Use in light or dark mode


Available on iOS and Android


Don’t just take our word for it

New car owners are loving how easy it is to get car financing and driving off in their new wheels

Adil Ashraf

7 August, 2022

Excellent experience applied and got everything sorted within a day and got the car the next day couldn’t fault any of it 👍

Michelle Ozojie

6 August, 2022

All I can say is WOW! Didn't know that getting a car finance would be this easy. Professional approach, friendly team, literally there to guide you in your journey and the speed of their response is banging! I am really happy to have chosen Carmoola. Its probably one of the best decisions I made this year. Thank you Hanan once again for making it all seem easy.


5 August, 2022

It’s great when things just work seamlessly! From start to finish Carmoola was a slick user friendly experience. I was able to dip in and out of the app to understand budgets and process and when it actually came to purchase everything was completed within minutes.

Well done Carmoola 🔥🔥

Bry Bednall

5 August, 2022

Cannot recommend this company enough, incredibly straight forward process, no backwards and forwards like most other companies, very easy to contact without having to wait hours for replies. They paid the dealer I purchased from within half an hour! Easy to use portal app to manage payments so you are in complete control. Believe the hype, the company is great 👍🏻

David Nettleton

4 August, 2022

An absolute Pleasure😀

By far the easiest car purchase I’ve made. The Carmoola app is an absolute pleasure and the people behind the scenes friendly and helpful. With the used car market being the way it is at the moment this is definitely a way forward. Great rates! No pressure! I was sceptical at first but I take my hat off to Carmoola and it’s developers! I will definitely be taking this approach to buying my cars from now on. It’s been a pleasure 👍🏻

Afonso Marques

3 August, 2022

Easy to apply customer server very helpful and friendly!! Excellent service i recommend 100%


3 August, 2022

Just the best! A very quick and easy process via the App and then some great hand holding over the phone by Customer Services. Proactive, friendly and super helpful, I can’t recommend these guys highly enough.

David Hayes

3 August, 2022

Easy simply and highly recommend

A lot of thought has gone into the review but a couple of words spring to mind, effortless, easy and simple. I have dealt with places like car finance 24/7 who constantly pester you. Firstly carmoola is app based, so no need to speak to anybody. carmoola ask for a few details then they tell you how much you can borrow, upload your documents, find your car , put the reg in, upload a purchase order and then enter the account details of the place that your buying the car from and press send, then job done, it has actually taken me longer to type this review than it took to purchase a car with


Refinance your car on a plan that suits you.
Get the App

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