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
Jake Hobson
2 November, 2025
I’d been declined by a few other finance companies because of my age and proof of income, but Carmoola accepted me in under an hour. The process was super simple and stress-free, and I was able to buy my car the very next day. The app is easy to use and keeps you updated the whole time. Genuinely one of the best experiences I’ve had with car finance!
Andy Stone
29 October, 2025
I’ll start by saying I would 100% recommend this as a way to finance a car - I was genuinely impressed by how easy it was arranging the finance on my new car, and how supportive they were when the garage sent me the wrong documents. It is a bit of a pain ensuring the vehicle you want comes from one of their approved garages, but once you’ve locked in on the right vehicle, and they approve it, the whole process literally took minutes! Fair play to them, they really made the buying of the car super simple!
Christopher Bailey
28 October, 2025
Ash Casson
27 October, 2025
I honestly couldn't have been happier with the overall experience.
Everything about using Carmoola is both a breeze and delightful. Super-friendly customer support, a nice, clean app and a streamline process.
I would absolutely use again if ever I needed to and would recommend them to anyone looking for car finance.
Glenn Rowe
26 October, 2025
Fast process, easy to use app and told me a car I was looking to buy had a third party interest so I didn’t buy. Definitely recommend this team Thank you
Michael Wright
24 October, 2025
Such a refreshing new way of buying a car. Excellent customer service and so easy to apply and pay for a car. This is how it should be the car sales industry need to wake up
Darren Sims
24 October, 2025
The process at the dealers couldn’t have been more simple. Cannot praise this company enough
Antonian Silva
24 October, 2025
A company that impressed me from start to finish, thank you for everything, especially for the amazing service!
Ben Farai
22 October, 2025
The whole process was smooth with no loads of paperwork and credit checks. The app allows unlimited car checks which helped a lot in choosing the right car and budget. Indeed CARMOOLA is the best way to get your new set of wheels. Big up yourself CARMOOLA!🫶🏾🫱🏽🫲🏾
Nik Hayden
22 October, 2025
Excellent from start to finish.Great communication through the process & received a competitive % rate.
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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