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
Shamilah Nakalembe
10 April, 2026
I had an absolutely amazing experience with Carmoola from start to finish. The whole process was incredibly smooth, clear, and stress-free, which made such a big difference for me.
The team was professional, helpful, and always ready to support whenever I had questions. They explained everything in a simple and easy-to-understand way, which made me feel comfortable and confident throughout the journey.
A special thank you to Hayley🫶🏾who was so sweet and supportive. She was honestly very, very kind, sweet and made me feel at ease the whole time. Her help really stood out and made the experience even better.🤭
Honestly, I would rate their service 100/10. The level of care, communication, and efficiency they showed was outstanding. I truly appreciate how seamless they made everything, and I would highly recommend Carmoola to anyone looking for a reliable and supportive car finance experience.
Thank you so much to the whole team
Trina Marie
9 April, 2026
Hayle was very helpful and explained everything to me. Very easy transaction once things was explained
Simon R
9 April, 2026
Very simple and easy to navigate
Mohammed mansha Yousaf
9 April, 2026
Carmoola made the whole car‑finance process feel refreshingly simple. From start to finish, everything was quick, intuitive, and completely transparent. The app lays out exactly what you need, when you need it, without any of the usual hassle or back‑and‑forth you get with traditional lenders.
What stood out most was knowing my rate before I even started looking at cars. That level of clarity takes away so much uncertainty and lets you shop with confidence. The features are clean, easy to navigate, and genuinely helpful — it feels like the platform was designed around the customer, not the other way around.
Overall, it’s a smart, streamlined experience that makes car finance feel effortless.
Stephen Clasper
9 April, 2026
The ease of the process and the friendly staff was refreshing. Hayley who I dealt with was great. Would highly recommend Carmoola
Raymond
9 April, 2026
Niall
8 April, 2026
Wow. What a great experience. Such an easy application. Made so easy by Katie, Kev and Aalexandra, nothing is an issue, always there to help you through and so polite and professional about it. 100% recommend. View and bought a car in 4 days start to finish. Excellent.
David
8 April, 2026
Easy to navigate website, apply for amount you need and within minutes you find out if your approved...Simple.
Also better interest rate than the dealer.
Sufyaan
8 April, 2026
Would recommend to anyone. Customer service was great.
Corey
8 April, 2026
I was denied finance from every lender when looking for a car, found out about Carmoola on ClearScore and accepted me without hesitation! I’ve now got a bigger car I needed for me and the family thank you all so much!
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 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.
Copyright © Carmoola All Rights Reserved