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
Lesley Raignault
17 March, 2026
First time financing a car and would do it again in the future with Carmoola. I found a car they did checks and I was able to buy it on a Saturday as they give you a card in your wallet.
Anna
17 March, 2026
Even dealers love how easy it is to just pay for the car using virtual card. Definitely best finance I’ve ever used
Emily Jessup
17 March, 2026
Susan
16 March, 2026
Even quicker than finance through the car dealer, one tap and I was sorted.
Graham Watmough
16 March, 2026
Keegan McGregor
16 March, 2026
Would fully recommend. Also love all of the merch they send you. Probably should have read what was in the confetti box before opening it on my couch though
Daniel Baker
15 March, 2026
Made buying a car so much more pleasurable
Sam Hearn
15 March, 2026
Brilliant from start to finish, everything is so easy in the app.
Sarah W
14 March, 2026
Application was very quick. Responses to any questions over WhatsApp were immediate.
Experience at the dealership was seamless. The sales chap was also very impressed, first customer they’d had using Carmoola.
Would highly recommend.
Graeme Fairclough
14 March, 2026
Nice and easy. Set your budget, pick your car, pay and drive away
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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