Car finance, off your mind in a minute.
No branch visits. No callbacks. No dent in your score to apply. Just your number, in your pocket, before the Uber arrives.
Get my budget →
Representative 14.9% APR. Subject to status and affordability checks.
One of these is your Saturday morning. The other isn't.
How Carmoola car finance works
Applying for car finance is 100% digital, with total control of your deal and no pressure to commit. No sales calls or lengthy paperwork.
Get a budget in 60 seconds
See how much you can borrow for your next car. No impact on your credit score to apply.
Build a plan that fits you
Change your deposit, monthly repayments and car loan terms in real time to suit your budget, with zero pressure to commit.
Checkout in a tap
Found the one? Run free car history checks and review your car finance agreement right in the app. Sign digitally and pay the dealer.
No impact on your credit score to see if you're eligible for car finance
The reaction is always the same.
"Wait, that's it?" — basically every Carmoola customer, at some point in the first ten minutes.
Everything you need to know
How does Carmoola work?
Get approved for car finance in just 60 seconds — with zero impact on your credit score to apply. Simply answer a few quick questions to see your budget and monthly payment. Run free history checks on cars that catch your eye, and then buy at thousands of dealerships nationwide. It’s car finance on your terms.
Where can I buy a car using Carmoola?
You can buy from over 9,000 dealerships across the UK — both physical showrooms and online dealers. If your chosen dealer isn’t listed, our team will review them and can often add them within minutes.
Can I change my mind after getting approved?
Absolutely! Until you actually sign your agreement and pay for a car, you can walk away anytime. You stay in complete control.
I’ve got a car already — could I refinance with you?
Yes! Just complete our form to get your budget, then follow the instructions in our app.
Is there a minimum age?
We can accept customers aged 18 to 75.
I’m new to the UK — can I still apply?
Yes — we welcome applications from people who’ve been in the UK for less than three years. We’ll review your UK credit file to check that you have enough credit history in place.
The good news is that checking your budget with us won’t affect your credit score, so there’s no harm in applying to see if you’re eligible. Check your chances.
We've assessed over 6.4 million applications. Most get a real, usable budget back the same minute they ask — with no impact on their credit score.
See where I land →