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Cruise through car finance

A game changing way to pay for your next car in minutes!

Scan to get the Carmoola app 👇

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Rates from as low as 6.9% APR, Representative 14.8% APR

Cruise through 
car finance

How it works

Out with the old. Drive in with the new.

There’s no waiting around for a car finance decision or painful paperwork.
And best of all, no broker commissions. Pay swiftly online or at the car showroom.
Take control, and experience car finance freedom with Carmoola.

Img-free-section Carmoola Card

Free to headbang
Free to explore
Free to cruise
Free to pop over
Free to chill

Free to do whatever,
whenever, wherever.

Car finance processes are clunky, lengthy and intimidating, leaving many people feeling frustrated and trapped. Carmoola isn’t an evolution of what already exists. We are entirely reinventing how people pay for cars. We’re getting rid of the past and starting with a clean slate, freeing car buyers from old school processes so they can enjoy the freedom of driving off in their new car.

Hit the Road with Carmoola


Now this is how you roll

Swift and simple to apply

Swift and simple to apply

No broker commissions

No broker commissions

24/7 friendly customer support

24/7 friendly customer support

Freedom to flex your plan

Freedom to flex your plan

Use in light 
or dark mode

Use in light or dark mode

Available on iOS 
and Android

Available on iOS and Android

See More Features


Don’t just take our word for it

See what Carmoola customers have said about their experiences in getting their new wheels 🚘



Very easy and fast approval

Applied for car finance at 7am got approved before 8am. They asked for open banking information which I provided and issued a card very quickly. I was very happy with customer service by sms at 7.30am. My car was purchased and I’m now awaiting delivery. Very good customer service. Would definitely recommend this company. Thank-you.


Mr. L.J.R

Hanan was amazing

Carmoola has been fantastic from start to finish , they were right by my side throughout the whole process. Would definitely recommend and will use again!!



Carmoola is revolutionary and I got exceptional service from Hanan from start to finish. Hoping for Carmoola's success!



Thank you so much for your help in getting my dream car really appreciate your help and support wouldn't be possible without carmoola and I haven't seen such quick response and resolutions to problem before anywhere i will definitely recommend it my friends. I got around 10 friends interested to buy cars and i guess carmoola can help them out is there any refral schemes at the moment?



WOOW! Game changing

I must say I have had my fair share of experiences with car finance companies and this has to be by far the best customer service I have ever received! Just purchased my car, really never knew getting a car could be this easy, defo recommending to all my friends and family!



So easy!

Based upon my previous experience of getting car finance, I am shocked how easy and quick it was.



Loving my new wheels 🚗

Absolutely thrilled with my new motor and I have to say that the whole process on this new app was GREAT from start to finish 👌… I used to hate the lengthy time and hard sells for extras in a show room so this was a welcome change as I avoided all that 👍.. this was mega easy and I was literally approved and ready to choose my car online in minutes!! Soo glad for this app .. I got a great rate and even a lovely and very unexpected welcome gift box 📦 in the post … happy days …thanks from a very happy customer will definitely recommend




After spending weeks with other car finance firms going back and forth with paper forms and scanned utility bills, it was mind-blowing to get a loan approved with Carmoola in 10 mins 🤯 Amazing app and reality helpful customer service team 💯


Popular car finance questions

Can’t find the answer you’re looking for? Drop us a message at

What information do I need to provide?

You’ll add a few personal details such as name and current address, and verify your identity with a passport or driving licence... that's it with Carmoola! You can read more about car finance here

Can I repay my loan early?

It's always possible to repay your car loan early. If you are in a comfortable position financially then you can save on the total amount of interest you pay, by repaying your loan early. For more car finance questions check our blog article. 

Who can get a car finance loan?

To get car finance with Carmoola, you must be aged 21 and over. You'll also need to pass an affordability and creditworthiness assessment, but don't worry, with Carmoola this takes less than a minute, and you'll get an instant decision.

Am I eligible for car finance?

Everyone's individual situation is different, but you'll need to pass an affordability and creditworthiness assessment, and verify your identity in order to be eligible. Why not try it out on Carmoola, it takes less than a minute, and there's no impact on your credit rating!

Does a car finance quote affect my credit rating?

With Carmoola, we run a "soft" credit search when you make your application, which means there's no impact on your credit rating.

Where can I buy a car from?

You can buy a car with Carmoola from any online or offline car dealership. We have over 10,000 places you can choose from. If we don't have the dealership then let us know and we will try and add them. 

How are car finance decisions made?

There are several key factors that contribute to car finance decisions. Your credit profile, your affordability, proof of identity, and the car you're buying. For everything you need know about applying for car finance check out this article. 


Pay for your car with a plan that suits you.

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Rates from as low as 6.9% APR, representative 14.8% APR