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
Ben Cotter
4 September, 2025
Perry Kendall
3 September, 2025
Very simple process from start to finish. Made buying a car an easy process again.
Staff were incredibly helpful and always happy to help out whenever I need to call. Fast responses with emails too.
Would recommend this to everybody
Joshua Ainsworth
3 September, 2025
Just fill out the form and find a car and use the digital card to pay. No sitting filling out forms and wait. Get approved-find a car- check it out- pay and drive 👍🏻
Kellie Oakley
3 September, 2025
Absolutely, hands down, the most easiest and quickest finance I have ever arranged!
I came across Carmoola by chance, after receiving an email from Experian re my recent credit score. We had been looking on Cinch to get our daughter her first car after passing her driving test. Then Carmoola popped up, the list of dealerships in my area was vast.
Fund a car, test drove it and paid, all in the same day.
Outstanding customer service, will most deffo be using again.
Thank you :)
Alan Pritchard
2 September, 2025
Once I'd registered and had my affordability pre-authorised, I was able to check history of each car I was considering. I was able to adjust my payment plan before committing to the purchase of the vehicle I decided on. Took a matter of minutes to finalise and then added the virtual card to my Apple wallet and paid with Apple Pay. Even the car sales rep was amazed at how easy it was.
Bethany Stewart
2 September, 2025
Previously, I had tried other finance brokers and the quotes I received were so high compared to the initial calculated price. The Carmoola app was super simple and easy to use and the finance calculator gave the same figure as the final quote. The team were also super helpful and responded quickly to messages when I required assistance. It didn’t take long to approve my application.
Overall a really great experience.
Serban Cristian
2 September, 2025
Fantastic!
Very easy for apply and quick response. Five star
Aditya Sood
31 August, 2025
I am really happy that I have used Carmoola in my recent car purchase. They have a wonderful and smooth process. Not even once have I had any issues with the entire process. It was so stress-free and convenient to apply . Thanks for everything.
Caz Evans
31 August, 2025
So easy to use and really competitive rates! Recommend.
David Blackwell
30 August, 2025
Fantastic experience while organising a car loan. Simple process and great support when something wasn’t working quite right when loading a certain document. Would definitely use again.
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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