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
Hamza Ahmed
29 March, 2026
Gave me a good rate compared to any other lender and was impressed with how quick and easy the process was. Will definitely be using them in the future.
Danielle Price
28 March, 2026
This whole experience has been so smooth! I am genuinely not someone who leaves reviews. I am usually sceptic about them. However from start to finish it has been so simple! The hardest part was finding the right car. When I did find the car I wanted, Initially the payment didn’t go through however after a quick chat with Sam he was able to rectify the issue and the payment was made. Thank you for all your help.
Phil Battersby
28 March, 2026
I got a guaranteed acceptance via Experian and from therein, the process was very smooth, simple, and straightforward to complete. Within an hour of commencing, I received an email confirming that my current car finance was settled. Absolutely brilliant and 110% recommended.
Claudiu Daniel Ghiran
28 March, 2026
Was very easy to work with the app, everything was professional and very prompt.
More likely recommend 5 stars plus
Kate Robson
28 March, 2026
Simple, straightforward and very responsive with any problems and questions no matter how small. Arranging finance with them was hassle free
Shaun
28 March, 2026
Everything was straightforward and hassle-free from start to finish. I was able to clearly see all the costs upfront before signing anything, which made the whole process feel transparent and honest. It never felt like anything was being hidden, which gave me real confidence throughout.
Luke
27 March, 2026
Took a couple of minutes to set up. The app makes sure you read and understand the agreements before continuing. A couple of very minor issues that I needed help with and the team who support via WhatsApp were very helpful.
Prem Banger
27 March, 2026
From start to finish, Carmoola was like a breath of fresh air to do. I signed up. Filled the paperwork in and bobs your uncle. All done. Then I looked for my dream car, 3 cars later. I told Carmoola what car I wanted, they approved the deal within 20 mins. I went and picked the car up. It was so easy to do! My app tells me what and when I need to pay, I can also pay more off when I want, which is great as I want to get the car paid off as quickly as possible. The service was excellent, I can't fault Carmoola. It was all done within a couple of days. Thanks you Carmoola.
Marjory
27 March, 2026
Payment at garage with virtual Mastercard or bank transfer option. The garage opted for bank transfer was completed in seconds
Asked a question of customer service they were fast precise and put me at complete ease.
Purchased my new vehicle within 24 hours
3 days later received a lovely welcome pack and gifts felt my custom was highly appreciated.
Thank you so much highly recommend and will use again and suggest to friends and colleagues
Shannon Mcparland
27 March, 2026
Fast replies on WhatsApp and email, helpful. Staff really know how to explain things if confused. Amazing all round
Pay for your car with a plan that suits you.
Representative 14.9% 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
If you are struggling with, or worried about debt, MoneyHelper provide free support.
Copyright © Carmoola All Rights Reserved