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
Michael
29 June, 2026
Easy to set up with the app. All round 10 out of 10. Very happy
Paul Dunne
29 June, 2026
What a simple, efficient and very affordable way to finance a car. After an issue with the dealer finance, Carmoola were able to help me purchase my car. Sam and Katie were on hand to help me out with any queries on WhatsApp which was really helpful
Bryan Turner
29 June, 2026
It was really straightforward and hassle free
Gavin Neal
29 June, 2026
The easiest application I've ever done for car finance, all through an app confirm a few details and that's it quick simple easy an absolute pleasure
Lauren Gent
29 June, 2026
The process was so easy and straightforward! I would definitely recommend!
Hollie Bedford
29 June, 2026
Support is there right from the get go
Steve
28 June, 2026
Oliver Eyles
28 June, 2026
The process from start till I picked up my car couldn’t have been easier, and using one of there approved garages made it even easier again. I couldn’t be happier I would recommend this to anyone, thank you.
Khiara
28 June, 2026
Found a very well maintained and reliable car with their help on the app. The finance is a breeze too. All round an amazing experience 😁
Joe
28 June, 2026
Staff always on hand to help and managed to pick car up same day!
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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