# Carmoola - Used Car Finance — Swift & flexible car loans > Swift and flexible car loans for purchasing vehicles. (iPhone/iPad app by Carmoola Group Limited.) - Source: https://appshunter.io/ios/app/carmoola-used-car-finance/id1548955591 (this page in markdown: same URL + `.md`) - Developer: [Carmoola Group Limited](https://appshunter.io/developer/1548955593) - Category: Finance - Price: Free - Rating: 4.80/5 from 5 App Store ratings · 196 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 105 MB - Languages: American English - Released: 2022-03-16 - Data updated: 2026-09-05 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/carmoola-used-car-finance/id1548955591/reviews.md ## What is Carmoola? Carmoola, get your car finance sorted upfront! In just a few taps, get a budget for your new wheels, walk into the dealership, and buy your dream car. Manage everything in one place, the Carmoola app. Why Carmoola? - Find out how much cash you can splash in just 60 seconds - Choose a car from reputable dealerships and online marketplace, and we’ll help you name it - Spread the cost with a payment plan that suits you - Need answers quickly? Carmoola’s UK-based support team is available every day from 8am til 8pm via phone, email, SMS or WhatsApp! 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. See if you can save money Got finance already? Did you know, you might be able to switch your current finance over to Carmoola and save money. Representative 14.9% APR. Carmoola is a car finance lender, not a broker, offering Hire Purchase (HP) and Personal Contract Purchase (PCP) car finance, allowing you to buy your car now and repay your loan monthly. Hire Purchase (HP) Budgets from £2,000 to £40,000 Borrow over 1 to 5 years Buy a used car, or refinance your existing loan and save money No mileage restrictions Own the car once you’ve repaid your loan Personal Contract Purchase (PCP) Budgets from £4,000 to £55,000 Borrow over 1 to 4 years Buy a used car (refinance not available) Annual mileage restrictions Pay the optional balloon payment at the end if you want to keep the car Download the app today and start your application to see if you’re eligible for HP, PCP, or both! Pay with Apple Pay Add your Carmoola card to your Apple Wallet, and pay with your iPhone or Watch at the dealership! --- 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. You can find our T&Cs here https://www.carmoola.co.uk/terms-conditions. ## Key features - Get car finance upfront - Instant budget for new car - Choose from reputable dealerships - Flexible payment plans - UK-based customer support - Free car history check - Manage payments in-app ## What do users think of Carmoola? Overall sentiment: positive **Pros** - 🚀 Quick and easy process - 👍 Straightforward and user-friendly app - 💰 Great interest rates - 🤝 Excellent customer service - 📱 Smooth in-app experience - 🏎️ Seamless car purchasing - 🎉 Stress-free financing **Cons** - 🐛 Occasional app bugs or glitches - 🤔 Limited eligibility criteria - 🤨 Misleading or unclear information **Commonly reported bugs** - Login issues and inability to access account - Inconsistent car details and registration plate changes **Most requested features** - Loyalty program or benefits for returning customers - Expand approved dealership network - Improve app stability and reduce bugs ## Recent user reviews (10 of 196) All indexed reviews: https://appshunter.io/ios/app/carmoola-used-car-finance/id1548955591/reviews.md ### 5/5 — Best provider *2026-08-07, version 2.2.0* Fantastic service ### 5/5 — Gill *2026-07-20* I first came across Carmaula through an advertisement on Instagram. After seeing the ad, I decided to apply for a loan, and the whole process was surprisingly quick and straightforward. I submitted all the required details and documents, and the team processed everything efficiently. The funds were transferred very quickly, which made the experience smooth and stress-free. I’m also very happy with the monthly repayment plan, and the interest rate of 9.5% is fair and competitive. Overall, I had a great experience with Carmaula. Their fast service, simple application process, and helpful support made everything easy from start to finish. I’m really pleased that I chose Carmaula, and I would happily recommend them to anyone looking for a reliable and efficient loan provider. ### 5/5 — Best app ever *2026-07-01, version 2.1.2* This is the Best app i have ever used !an easy access and easy to understand one click to customer service everything is under the fingertips, but i can’t use Carmoola plus its asking for update the payment card but now i can’t even payment card to sort out having an active agreement, could you please fix this ! Thank you. ### 1/5 — iPhone app is not working *2026-06-30, version 2.1.1* For the last 3 days the iPhone app just has a blank screen, can’t see any of the menus, I was told to wait for the update but that hasn’t fixed it. Good company, terrible app. ### 5/5 — Be approved in 3 mins. *2026-06-20, version 2.0.4* Amazing and low apr. Recommend to all. Thanks ### 5/5 — Great service *2026-06-15, version 2.0.4* Brilliant and quick service from all, especially the WhatsApp team when the computer failed to identify documents. ### 5/5 — Great experience *2026-06-14, version 2.0.4* Excellent smooth, fast, no hassle ### 5/5 — Amazing *2026-05-26* Carmoola was honestly one of the easiest and most stress-free experiences we’ve had. At a time when we were in a really difficult situation, they stepped forward and gave us the loan we needed, which gave us real peace of mind. The whole process was simple and straightforward. What really stood out was how understanding they were. Even when we missed a payment or two, there was no pressure, no constant badgering, and no feeling of being chased for money. They treated us with kindness and understanding instead of making an already stressful situation worse. We’ve had such a positive experience with Carmoola, and when we’re ready to buy our son a car, we’ll definitely be using them again. Thank you, Carmoola! ### 5/5 — Great company *2026-05-08, version 2.0.1* Superb staff seamless transaction to pick up my SQ2 Thankyou team you have a customer for life ### 5/5 — Pretty quick to sign and find a car *2026-04-24, version 2.0.0* As above ## Frequently asked questions about Carmoola ### What is Carmoola? Carmoola is a car finance lender that provides Hire Purchase (HP) and Personal Contract Purchase (PCP) options for purchasing used cars. It allows users to get a budget, manage their loan, and make payments directly through the app. ### How does Carmoola car finance work? You answer a few questions to get a budget, verify your ID, and then select your car. The app helps with a history check, payment processing via a Carmoola card or bank transfer, and managing monthly payments. ### What are the costs associated with Carmoola? Rates range from 6.9% APR to 29.9% APR, with a representative APR of 13.9%. The app itself is free to use, but the finance offered is subject to status and individual circumstances. ### What types of car finance does Carmoola offer? Carmoola offers Hire Purchase (HP) for budgets of £2,000 to £40,000 over 1-5 years, and Personal Contract Purchase (PCP) for budgets of £4,000 to £55,000 over 1-4 years. HP allows ownership after repayment, while PCP has an optional balloon payment. ### Who is eligible for Carmoola finance? Finance is available to mainland UK residents aged 18 and over. Eligibility and the specific finance offered are based on individual circumstances, affordability, and credit profile. ## Version history (last 5 releases) ### 2.2.3 — 2026-08-29 In this version, we’re helping more customers to book a test drive on their next car. We hope this makes your journey even smoother ### 2.2.2 — 2026-08-24 In this version, we've given the app a proper makeover! With clearer steps during your application, more info for those of you who need it, and much better guidance about exactly when to go to the dealership. We hope you love it ### 2.2.1 — 2026-08-19 In this version, we've given the app a proper makeover! With clearer steps during your application, more info for those of you who need it, and much better guidance about exactly when to go to the dealership. We hope you love it :) ### 2.2.0 — 2026-08-05 In this version, we've given the app a proper makeover! With clearer steps during your application, more info for those of you who need it, and much better guidance about exactly when to go to the dealership. We hope you love it :) ### 2.1.4 — 2026-07-30 In this version, we've enabled new customers to explore and subscribe to Carmoola Plus before they buy their car! This way you'll know you definitely don't need to buy a warranty or get breakdown cover from anywhere else, because you can handle it all on Carmoola :) ## Apps similar to Carmoola | App | Rating | Price | Category | | --- | --- | --- | --- | | [TetradPay](https://appshunter.io/ios/app/tetradpay/id1609876055) | 4.7 (35) | Free | Finance | | [118 118 Money](https://appshunter.io/ios/app/118-118-money/id1580928422) | 4.9 (18) | Free | Finance | | [Marshmallow Insurance](https://appshunter.io/ios/app/marshmallow-insurance/id1544485226) | 4.8 (254) | Free | Finance | | [Zego Delivery](https://appshunter.io/ios/app/zego-delivery/id1173230823) | 4.8 (43) | Free | Finance | | [Jaja Credit Card](https://appshunter.io/ios/app/jaja-credit-card/id1515256908) | 4.8 (22) | Free | Finance | | [CarFinance 247](https://appshunter.io/ios/app/carfinance-247/id1161743286) | 5.0 (2) | Free | Finance | ## Related topics [car loan](https://appshunter.io/ios/topics/car-loan) · [used cars financing](https://appshunter.io/ios/topics/used-cars-financing) · [financing car](https://appshunter.io/ios/topics/financing-car) · [oddiles](https://appshunter.io/ios/topics/oddiles) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*