Know your budget before the dealer knows your name.
A real number, sorted from your sofa. Walk in calm and don't sweat the credit check.
Representative 14.9% APR. Subject to status and affordability checks.
Am I in?
Takes 60 secondsSame goal. Totally different experience.
You still get the car. You just don't have to sit through the runaround to get there.
Less ‘please wait’. More ‘you're sorted’.
The questions you'd actually ask.
No. We run a soft search that only you can see. Other lenders don't see it and it doesn't show on your file. It's a proper answer with none of the cost.
A past ‘no’ elsewhere doesn't mean a ‘no’ here. We look at affordability and credit score, so a thin or bruised file isn't the deal-breaker other lenders make it. The only way to know is to run the check — and it won't cost your score.
No catch. You see your actual rate and monthly payment before you commit to anything — no surprise fees, no added-on products, no pressure to sign on the spot.
Carmoola is a UK lender authorised and regulated by the Financial Conduct Authority (FRN 958057) and a CIFAS member. Our team is based in London and reachable 8am–8pm every day on support@carmoola.co.uk.
You'll know where you stand — which beats guessing. You can adjust the deposit or term in the app until the monthly payment works for you. No number is shown to a dealer until you choose to use it.
No grilling. No impact on your score.
The honest answer you couldn't get at the dealer — in about 60 seconds.