Carmoola - Used Car Finance

Carmoola - Get the wheels you’ve been waiting for.
We’re for the day-tripping, free-wheeling, sunset-searching drivers. Those of you who want to buy shiny new wheels on terms that suit you.
Because why should you waste time getting confused about car finance?
We’ll explain it all and iron out those ifs and buts. Then help you to suss out your budget so you’re ready to buy from any reputable car dealership or digital car marketplace. You can find your dream wheels and spread the cost, conveniently with a flexible finance payment plan to suit you, all within the Carmoola app. We’ve got this down to a T, so you can cruise through car shopping and hit the road as soon as possible.
Rates from 6.9% APR, representative 13.9% APR. We offer hire purchase loans between £2,000 - £40,000 over 12-60 months at a personalised APR between 6.9% and 24.9%.
NEW - Pay with Apple Pay
Add your Carmoola card to your Apple Wallet, and pay with your iPhone or Watch at the dealership!
Why Carmoola?
- Find out how much cash you can splash in just 60 seconds
- Search & choose a car from reputable dealerships and online marketplaces
- Spread the cost with a flexible finance payment plan* to suit you
- Our friendly support team are here to help you throughout your journey with Carmoola

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.

Your car, your rules.
- Found the car you love? We’ll help you choose a name for it
- Did you know that you share your birthday with a celeb? Find out who…
- Need answers quickly? Carmoola’s UK-based support team is available every day from 8am til 9pm via phone, email, SMS or WhatsApp!
Refinance your existing loan and save money
Got finance already? Did you know, you can switch to a better deal at anytime... and at Carmoola, we're hoping we can help save you money.
- Grab an early settlement quote from your existing car finance lender
- Pop into Carmoola and add your details, and info about your car and your current finance
- Check out the deal we can offer you, and if you like it, switch to us in a matter of minutes
- Use your virtual card to settle your old finance
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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.
*Payment plans offered are between 12 and 60 months. Changes to your plan may be subject to approval.
Carmoola is a lender, not a broker, offering HP (hire purchase) car finance.
You can find our T&Cs here https://www.carmoola.co.uk/terms-conditions.