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Carmoola, get your car finance sorted upfront!
In just a few taps, get a budget for your new wheels, walk into the dealership, and buy your dream car. Manage everything in one place, the Carmoola app.
Why Carmoola?
- Find out how much cash you can splash in just 60 seconds
- Choose a car from reputable dealerships and online marketplace, and we’ll help you name it
- Spread the cost with a payment plan that suits you
- Need answers quickly? Carmoola’s UK-based support team is available every day from 8am til 9pm via phone, email, SMS or WhatsApp!

How does it work?
- Answer a few quick questions to find out how much you can spend
- Verify your ID with your full driving licence and a quick selfie
- Tell us about your new wheels and we’ll run a free history check for you
- Pay with your Carmoola card or send a Bank Transfer to the dealership in minutes
- Set up and manage your monthly finance payments in the app
And that’s it! Time to organise the road trip.

See if you can save money
Got finance already? Did you know, you might be able to switch your current finance over to Carmoola and save money.
Rates from 6.9% APR to 29.9% APR, representative 13.9% APR.

Carmoola is a car finance lender, not a broker, offering Hire Purchase (HP) and Personal Contract Purchase (PCP) car finance, allowing you to buy your car now and repay your loan monthly.
Hire Purchase (HP)
Budgets from £2,000 to £40,000
Borrow over 1 to 5 years
Buy a used car, or refinance your existing loan and save money
No mileage restrictions
Own the car once you’ve repaid your loan
Personal Contract Purchase (PCP)
Budgets from £4,000 to £55,000
Borrow over 1 to 4 years
Buy a used car (refinance not available)
Annual mileage restrictions
Pay the optional balloon payment at the end if you want to keep the car
Download the app today and start your application to see if you’re eligible for HP, PCP, or both!
Pay with Apple Pay
Add your Carmoola card to your Apple Wallet, and pay with your iPhone or Watch at the dealership!
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Finance is subject to status and is only available to mainland UK residents aged 18 and over. Failure to keep up your repayments may result in your car being repossessed and your credit rating being negatively impacted, and may prevent you from accessing other financial products in the future. Any finance you may be offered by Carmoola will be based on your individual circumstances, affordability and credit profile.

You can find our T&Cs here https://www.carmoola.co.uk/terms-conditions.