NEW! Refinance your existing car loan in 8 minutes and save 💰 Learn More


Cruise through car finance

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

Scan to get the Carmoola app 👇

Get The App
Carmoola QR Code

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


Featured in

london-evening-standart mail_online the_sun yahoo_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.


Refinance your existing loan and save some moola

See if you could save money by switching to Carmoola!

Learn More
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 🚘

Adil Ashraf

7 August, 2022

Excellent experience applied and got everything sorted within a day and got the car the next day couldn’t fault any of it 👍

Michelle Ozojie

6 August, 2022

All I can say is WOW! Didn't know that getting a car finance would be this easy. Professional approach, friendly team, literally there to guide you in your journey and the speed of their response is banging! I am really happy to have chosen Carmoola. Its probably one of the best decisions I made this year. Thank you Hanan once again for making it all seem easy.


5 August, 2022

It’s great when things just work seamlessly! From start to finish Carmoola was a slick user friendly experience. I was able to dip in and out of the app to understand budgets and process and when it actually came to purchase everything was completed within minutes.

Well done Carmoola 🔥🔥

Bry Bednall

5 August, 2022

Cannot recommend this company enough, incredibly straight forward process, no backwards and forwards like most other companies, very easy to contact without having to wait hours for replies. They paid the dealer I purchased from within half an hour! Easy to use portal app to manage payments so you are in complete control. Believe the hype, the company is great 👍🏻

David Nettleton

4 August, 2022

An absolute Pleasure😀

By far the easiest car purchase I’ve made. The Carmoola app is an absolute pleasure and the people behind the scenes friendly and helpful. With the used car market being the way it is at the moment this is definitely a way forward. Great rates! No pressure! I was sceptical at first but I take my hat off to Carmoola and it’s developers! I will definitely be taking this approach to buying my cars from now on. It’s been a pleasure 👍🏻

Afonso Marques

3 August, 2022

Easy to apply customer server very helpful and friendly!! Excellent service i recommend 100%


3 August, 2022

Just the best! A very quick and easy process via the App and then some great hand holding over the phone by Customer Services. Proactive, friendly and super helpful, I can’t recommend these guys highly enough.

David Hayes

3 August, 2022

Easy simply and highly recommend

A lot of thought has gone into the review but a couple of words spring to mind, effortless, easy and simple. I have dealt with places like car finance 24/7 who constantly pester you. Firstly carmoola is app based, so no need to speak to anybody. carmoola ask for a few details then they tell you how much you can borrow, upload your documents, find your car , put the reg in, upload a purchase order and then enter the account details of the place that your buying the car from and press send, then job done, it has actually taken me longer to type this review than it took to purchase a car with

Open The App


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.

Get the App

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