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
Wendy Collier
6 February, 2026
Excellent service. All completed within a few hours. Was able to refinance my car for almost half the interest rate, cutting £75 per month off my payment, saving £4.5k over the term.
Dave
6 February, 2026
Such an easy, straightforward experience from start to finish.
Lukumanu Akinwade
5 February, 2026
The whole process was seamless, and the app is very flexible. The help team are superb! Kudos to Aaron and Sam. You guys rocks! I will definitely recommend Carmoola to families and friends. Thank you guys.
Lee
5 February, 2026
Paul
4 February, 2026
Aditya Rundla
4 February, 2026
Aiden's Carmoola is self-explanatory, all the steps are easy to understand and leads to greater control in car buying experience with finance.
Lewis
4 February, 2026
Easy setting up, always on the hand to help!
Dragos
4 February, 2026
Never worked with such a company. Very smooth and easy process. When had questions they answered immediately. Not a lengthy process. After being approved, got my funds immediately and got the car the same day. Highly recommend
Jason Holgate
4 February, 2026
Just what I needed as my old car had passed away and needed a new one fast.
Jane
3 February, 2026
Guidance from start to finish
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
If you are struggling with, or worried about debt, MoneyHelper provide free support.
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