Vroom vroom. Budget sorted in 60 seconds
Get approved in a flash and be ready to buy today. No impact on your credit score to get a budget.
Monthly amounts are based on the cost of a real 2016 BMW M2 (£20,495) and 2016 Ford Fiesta (£4,500) over 60 months at 10% APR (fixed). £431 monthly amount gives a total payable of £25,861 and cost of credit £5,366, including a one-off Option to Purchase fee of £1. Vehicle availability and price not guaranteed. Representative 14.9% APR.
Everything you're wondering about
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 approved 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.
Why Carmoola?
| Carmoola | The old way | |
|---|---|---|
| Decision in 60 seconds ⚡ | ||
| No hidden fees 🔍 | ||
| Free car checks 👨🔧 | ||
| Pay with Google or Apple Pay 📱 | ||
| 4.8 on Trustpilot ⭐ |
Get a budget for your new car in 60 seconds