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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


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 🚘


16 June, 2022


Extremely easy to use and the customer service was above and beyond

Sujeeth kotian

14 June, 2022

Getting a car loan couldn’t be any easier, hassle free and straightforward. I know its too good to believe but its a FACT. Couldn’t recommend anyone else other than Carmoola. Both Hanan and Tom were great in assisting me with the loan. Would use it again if i had a chance to.

Maria Fakudze

11 June, 2022

Easy finance

If you want zero stress on how to finance your next car this is the place! I’m collecting my new car next week🥳🥳🥳 very easy and you always have someone to answer your questions.


2 June, 2022

Great app super easy to finance my car

Robert Myerson

1 June, 2022

Fantastic app - super fast and easy to use. Finally a great app to easily buy my next car!

Richard “Moo” Foster

1 June, 2022

Really great customer experience and a friendly easy app to use. Would recommend 👍

Egemen Koken

1 June, 2022

Carmoola will be the way for me to get to my long lasting dream - which is owning the car of my dreams. My credit has just approved and I am in the car-hunting stage now. I can even use them in the second hand dealerships, which is making this experience even better! Highly recommended!!

Ali Owen

1 June, 2022

After battling with car finance providers that take days to decide, trying Carmoola has been a breath of fresh air.

Downloading the app to a decision in 10 minutes is amazing, and being able to use the virtual card online or in-person is super convenient!

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