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
Raivis
13 December, 2025
Darren Mitchell
12 December, 2025
Carmoola is so easy to use. Straight forward. All done through the app and the customer service is second to none
Andrew Crow
11 December, 2025
Such an easy website / app to use and you search for the car you want run the vehicle details and you get a financial plan and a few clicks and the vehicle is yours after a few clicks
Christopher
10 December, 2025
The service from start to finish was brilliant and very helpful on the chat. So easy to do. Would recommend to anyone 100%. Brilliant company
Brenda
10 December, 2025
Easy to use on the app and great team. Had to call few times and lovely team was always happy to help. Thank you Carmoola
Peter
10 December, 2025
Approved cars via history checks for peace of mind and a totally stress free service- cash paid promptly to dealer for a speedy sale! Would recommend!
Peter Titchener
10 December, 2025
This was my first time buying a car using this type of service and I can only say that I am very impressed with how it all went. Super quick response to any questions and so simple to use, The dealer welcomed the use of Carmoola and it all went well.
Thank you so much for making it a simple process.
Don McAngus
9 December, 2025
Amazing. The only word that can describe this whole experience. I applied on the Monday and received my budget, Then i started looking for cars, its great that you can add a car and it is fully checked for you, i got a tad carried away here and had around 12 cars that i “wanted” Eventually narrowed it down to one and went ahead with one from a garage local to me on the Saturday morning. I had the agreement signed and the money transferred to the garage by 12:30 the same day so yes they do everything they can to help and you are kept informed via the app which is so easy to use. Would highly recommend
Christopher Appleton
9 December, 2025
Needed a little help and got it straight away after speaking someone.
Douglas
7 December, 2025
The whole experience was so easy from start to finish, didn't take to long to complete, a few easy steps to get get what I wanted, and it was so easy at the dealership, as it only took around 1 hour. I would definitely recommend Carmoola to anyone, THANKS CARMOOLA 😊
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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