Find out how our app works. Within a few minutes you’ll be one step closer to your new car.
Whether you’re buying online or direct from a dealership, we’ve got you covered.
Everything you need to know about using Carmoola and car finance.
See what other people say about their Carmoola experience.
Our UK based support team are online 8am - 9pm every day.
Apply now to get access to thousands of Carmoola customers.
Clearly and colourfully make sense of which cars hold their value the best —and those that might have dropped like a stone.
Hire Purchase – or HP – is a type of car finance that lets you spread the cost of a car over an agreed length of time, after which you'll own the car outright.
Personal Contract Purchase - or PCP - is a flexible finance agreement that allows you to hand the car back, own it outright or trade it in for another at the end.
Refinance is the process of taking out a new finance agreement so you can pay off your current loan and switch to a new lender.
Our calculator will estimate how much interest you'll be paying and how much your payments might be each month.
Use our early settlement calculator to estimate the outstanding amount on your current HP or PCP agreement.
See if you’re eligible for a car loan - it's fast, free and has no impact on your credit score.
See what other people say about their Carmoola experience
Testimonials
New car owners are loving how easy it is to get car financing and driving off in their new wheels
Steve R
21 March, 2026
Found it to be a straightforward process. Quick decision and budget to allow purchase of my car. Options on how to pay the dealer made the whole process lot less stressful.
Jashan Singh
21 March, 2026
Easy to apply and provided me the best finance rate, super easy to use and instant payout to dealer when purchasing vehicle
Jane Challoner
21 March, 2026
From start to finish, very easy. No complications, just bought a car what I want. Recommend using Carmoola 100%
Jevon
21 March, 2026
Easy way to get finance, Didn't need to talk to anyone, very quick and the support was great. Thank you Carmoola x
Michael Williams
21 March, 2026
Everything smooth! Would definitely recommend!
Mark Bandy
21 March, 2026
Really pleased with how easy the app is to use. Even for a technophobe like me.
Steve Rose
21 March, 2026
It was such a seamless experience.
Kev especially was so helpful, he talked me through everything over the phone while I was sat at the dealership.
Nothing was a problem and it was such an easy transaction 👍👌
Jenny S.
21 March, 2026
They were incredibly helpful and sorted everything out on my behalf. The staff are very friendly and professional, which really puts you at ease and gives you confidence in the process.
Ayodeji Johnson
20 March, 2026
The conversation went well and the agent was knowledgeable and experienced in giving me a prompt response and answer to my queries
Samuel Chitengu
20 March, 2026
I had instant feedback throughout the whole process and I point out Kev and Alexandra for being courteous all the times throughout the process. May have forgotten other names but the whole team did a splendid job and I would not hesitate to refer my friends to Carmoola after a great experience😍😍😍
Pay for your car with a plan that suits you.
Representative 13.9% APR
Carmoola is a trading name of Carmoola Limited which is registered in England & Wales, under Registered No. 12992987. Its Registered Office is First Floor, 1 Whittlebury Mews West, Primrose Hill, London, NW1 8HS. Carmoola Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 958057), and a member of CIFAS (the UK’s leading fraud prevention service).
Registered with the Information Commissioner’s Office in compliance with the Data Protection Regulations 2018 under registration ZA905089.
Finance is subject to status and is only available to Mainland UK residents aged 18 and over. Carmoola is committed to responsible lending.
To get in touch, email us at support@carmoola.co.uk
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