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
Lily
2 August, 2026
Shay
2 August, 2026
Darren
2 August, 2026
Such an easy process with good rates. Highly recommend, made my life so easy getting my new car
Junior Griffith
1 August, 2026
The whole process was straightforward, quick, and easy to understand, with everything handled online without any unnecessary hassle.
The application process was simple, and the communication throughout was clear and helpful. I particularly liked how convenient and transparent everything felt compared with traditional car finance.
Overall, I’m very happy with the service I received from Carmoola and would definitely recommend them to anyone looking for a simple and hassle-free car finance experience.
Emerich
1 August, 2026
Everything was quick. I am very satisfied.
Loredana
1 August, 2026
Helps with all the questions and quick responses.
Greg Whitnall
31 July, 2026
It’s very personal. People always on hand to help and make it happen. 3rd time I’ve used them for finance, the flexibility and convenience are second to none. And Mo, I can’t explain how helpful Mo has been today. What an incredible member of the Carmoola team he is. Mo you made it all come together. A wonderful man you are!
Samuela
31 July, 2026
The assistance rendered was second to none. The team was very helpful with what I requested and were very kind.
Cliff Robbins
31 July, 2026
Helpful staff, swift payment. Good interest rate, they are not a broker and pay direct, so no middlemen. Carmoola makes it so easy, can't recommend highly enough
Cameron
30 July, 2026
Best experience you could ask for everything completed and paid out in less than 24 hours
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.
Copyright © 2026 Carmoola. All rights reserved.