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
Stephen Fletcher
12 May, 2026
Quick, easy and efficient. Had no hassle, zero delays on anything took all the stress out of financing a car for me and made it an enjoyable experience all round.
Alasdair Morison
12 May, 2026
I recently utilised Carmoola to finance a Tesla Model Y, and the efficiency of the process was truly exceptional. The entire transaction, from initial application to completion, was finalised in less than 24 hours.
The platform is intuitive, transparent, and eliminates the typical friction associated with vehicle financing. For anyone requiring a streamlined service that respects your time, I cannot recommend Carmoola highly enough. They have set a new benchmark for the industry.
Neill
12 May, 2026
Hassle free . I would definitely recommend
Chanel Wadsworth
12 May, 2026
Katie has been super helpful, very easy and simple way to sort finance! Thanks so much
Madeline Rhodes
12 May, 2026
There was a bit of too and fro but it was all sorted. The app is easy to use but there is one bit where it wanted you to scan a code but it was impossible but lucky enough you could get pass that bit.
Joey
11 May, 2026
Very smooth transition and all completed within an hour! Fantastic easy service! Definitely recommend
Paul
10 May, 2026
It was the ease of dealing with Carmoola and the dealer. Everything went smooth.
John Freeman
10 May, 2026
Easy to use process with fast, responsive customer care
Liam Falcon
10 May, 2026
Just bought my new car using Carmoola and honestly the whole process was far easier than I expected. Everything was straightforward, quick and easy to do through the app, with clear communication the whole way through. No stress, no confusing paperwork and the approval process was really smooth. Made buying a car feel simple for once. Definitely recommend Carmoola if you want a hassle-free experience.
Nichole
9 May, 2026
Happy on the fact that I did not have to deal with people asking loads of questions. It was just me and the app.
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 company number 12992987. Registered office: 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) in relation to regulated consumer credit activities, and is a member of CIFAS (the UK’s leading fraud prevention service).
Carmoola Plus is not regulated by the Financial Conduct Authority. FCA protections do not apply to Carmoola Plus or any products or services included within it. Your rights under your regulated hire purchase agreement are not affected.
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 UK residents aged 18 and over.
Carmoola is committed to responsible lending.
To get in touch, email support@carmoola.co.uk
If you are struggling with, or worried about debt, MoneyHelper provides free and impartial support.
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