Carmoola - Used Car Finance 17+

Swift & flexible car loans

Carmoola Group Limited

    • Free

iPhone Screenshots


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 14.8% 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


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

What’s New

Version 1.7.6

In this version we’ve updated the points that we ask you for feedback, and made some improvements to the journey for customers who are coming to Carmoola from one of our partners :)

Ratings and Reviews

4.8 out of 5
1.5K Ratings

1.5K Ratings

Mat_D88 ,

Very good

Good experience purchasing my car through the app, offered decent interest rates comparative to a loan, relatively speaking, and all handled fairly quick and easy.

There are a few stipulations using the service, such as min age, mileage and certain dealerships but I do understand there’s a level of risk mitigation they need to undertake, and whilst at first I thought this to be somewhat restrictive, I found the car I wanted for a price I was willing to pay from one of their promoted partners. This was also a very pleasant experience having previously had an issue purchasing from a dealer through auto trader, so although I perhaps paid a little more, I paid for peace of mind and top notch customer service.

I’d recommend Carmoola for anyone looking at financing a vehicle, there’s no obligation to buy and it just gives you options - which I think we all need in the current economy!

Developer Response ,

Thanks so much for sharing your Carmoola experience! We really appreciate the wonderful feedback 😊

b3nyoung ,

Exceptional experience from start to end!

Where should I start! My experience with Carmoola has been impeccable from start to finish. The initial application process was straightforward, easy to follow and modern.

When searching for a new car, I knew my budget and there was full transparency along the way. After finding my perfect car, Carmoola instructed me with clear instructions on what to do next.

Please be warned, dealerships these days are pushy and persistent and will insist that you apply for their finance product, as of course they receive commissions. Therefore, it’s fair to say that they do not have your best interests at heart. However with Carmoola, they are the opposite and want what’s best for their customer. I obtained a much better monthly rate and service to follow.

Also, the dealership did not want to release the car until funds were received, as the car was purchased on a Sunday. Hanan felt my frustration and paid for a hotel as the dealership was three hours from our home.

Thanks so much and you are most definitely shaping the car finance industry, and you will not be dissatisfied with their level of service.

We already look forward to experiencing Carmoola’s customer service again.

Developer Response ,

We're so happy you had such a great experience using Carmoola 🙌 Our aim is to provide WOW customer service and I'm thrilled we were able to turn a frustrating situation into a positive experience for you!

I trust you're enjoying your shiny new ride 🚗 I look forward to speaking with you again, feel free to get in touch if you ever need anything!

Petesteele1706 ,

Refinance through Carmoola

Kayleigh was extremely helpful, I kept ringing up the support number to the point where I’d just say Hi Kayleigh it’s Pete again and she’d know it was me. Service felt very personable and only issue I had with the app was that it didn’t not automatically transfer the relevant data to the app from ClearScore so even though it had green ticks on the relevant sections to say they were complete, they weren’t and I needed to fill these in manually. Kayleigh mentioned she’d speak to the Devs and engineers about this. Once I done this though everything was sorted and my old lender was paid within the hour. Got a much better rate with these guys and would fully recommend them

App Privacy

The developer, Carmoola Group Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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