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
Mary
25 April, 2026
Very simple from applying finding the car and payment. Even the dealer said he hasn’t had such any easy transaction. Once the car was picked, took just minutes to finalise and make payment. Highly recommend
Stephen Barker
25 April, 2026
Chloé Ferry
25 April, 2026
So helpful through the whole process, was never pestered or sent loads of things. Just nice and simple. No hassle
Kyle Kippad
25 April, 2026
Very helpful with getting finance and offered good quality services with a good selection of cars and garages to choose from 👍
Nick
25 April, 2026
Leo
24 April, 2026
So helpful during the whole process, and the team are so kind. Will definitely recommend friends and family
Ndu Chikere
24 April, 2026
Carmoola made my car purchase unbelievably easy. The approval was quick, the communication was great, and the whole team was genuinely helpful. A smooth, hassle‑free experience from start to finish.
Russell Harding
23 April, 2026
Really smooth experience from start to finish. The whole process was clear and quick, with no surprises along the way.
What stood out most was the support, whenever I had a question, I got an almost immediate response on WhatsApp, which made everything feel really easy. I also needed a bit of help setting up the bank transfer and the team sorted that quickly and clearly.
The app is straightforward to use and gives a clear view of everything, rather than hiding details. Overall, a very easy way to get things done without the usual hassle.
Tony Banfield
23 April, 2026
Couldn’t fault the service and streamlined decision making. Will be back and recommending to all
Emmanuel Philip
23 April, 2026
I just wanted to try but to my amazement, I got l approved. This is just the best finance app I have seen.
I will greatly recommend.
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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