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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently highlight the ease and simplicity of the entire car finance process, from application to payment. People appreciate the user-friendly app, which streamlines document uploads and provides clear, readily available information. Consumers also value the speed of approval and the helpfulness of the customer service team, who are always on hand to answer questions and provide support. The straightforward nature of the process, coupled with competitive rates, makes this company a popular choice for car financing. Reviewers also appreciate the transparency, noting the absence of hidden fees and the clarity of the terms. The ability to manage finances and track payments through the app is another feature that consumers find particularly useful.

Based on these reviews

Rated 5 out of 5 stars
Verified

Absolutely fantastic experience and so much better than when I bought my last few cars and ended up sat in dealerships for half a day sorting out really confusing finance agreements that never felt ri... See more

Rated 5 out of 5 stars

Fantastic Experience all round, so simple and efficient. By far the best way to finance your next vehicle. The free car checks are something I wouldn't have thought would be so handy but after c... See more

Company replied

Rated 5 out of 5 stars
Verified

I have had a very pleasant straightforward professional and excellent service from Carmoola. The app was very straightforward to use. The features were great. From getting approved to buy my car was... See more

Company replied

Rated 5 out of 5 stars
Verified

Wow! Everyone has seen how easy it looks in the adverts… and it is! Went from looking at cars and getting my budget to sat in my new one in less than 24 hours! Great help from the customer service... See more

Rated 4 out of 5 stars
Verified

Overall - a good experience. Quick, straightforward and simple. Pre-approved means little though - you still need to be credit checked / provide proof of income, but once that is done and passed - no... See more

Rated 5 out of 5 stars
Verified

Quick and easy. Been doing for 25 years and amazed how quick the process just by the tip of your finger not just before waiting for decisions if to be approved or not, selling not needed for your car.... See more

Rated 5 out of 5 stars
Verified

Carmoola offered me the right amount of finance at a great market rate with such a simple application process and the funds available instantly. I never thought buying a car on finance could be this e... See more

Company replied

Rated 5 out of 5 stars
Verified

So happy with how easy this was. Finance was all sorted before I had even visited the dealership meaning I could get the car relatively quickly. Great business idea. Would be great if they expanded in... See more

Company replied

Rated 5 out of 5 stars
Verified

They are customer centric and you are supported right through. I thought the first time I bought my vehicle was a fluke but after two of my friends and my second exeperience, its not a fluke but a won... See more

Company replied

Rated 5 out of 5 stars
Verified

I can't fault the Carmoola process. Applying was quick and easy, the team were extremely helpful, they responded promptly to any concerns and the payment process was super simple. Thank you to the... See more

Rated 5 out of 5 stars
Verified

Abit scary because it was so easy to navigate through the app and then they even do free checks on the car included in the deal. Honestly hands down best finance deal on a car ive ever done and this i... See more

Rated 5 out of 5 stars
Verified

Having never financed a car before, I found the whole process easy and convenient. Easy to add a new dealership if they aren't listed. All questions answered quickly and when it came to the transfer... See more

Company replied

Rated 5 out of 5 stars
Verified

To be honest I don't have any words to tell you. It's amazing experience with carmoola, within 5 minutes everything sorted. I have a current account with Barclays bank since 2015 ans still i was stru... See more

Company replied

Rated 5 out of 5 stars
Verified

Easy work & A Great Purchase today Looking forward to Traveling Around,,,Looking good ,, Perfect Time ,,& Thankyou. Carmoola, Fully Supported me from Start to Finish,,xx♥️🔔♥️💪💜❤️🖤💙💛🏆🏆🏆�... See more

Company replied

Rated 5 out of 5 stars

Really amazing way of getting finance for a car, would 100% recommend!!! Stumbled across Carmoola through Experian and was pre-approved for a loan, within minutes I had the car checked and the documen... See more

Company replied

Rated 5 out of 5 stars
Verified

Really impressed with Carmoola. The whole process was quick, smooth, and hassle-free. The app is simple to navigate, approval was fast, and all the steps were transparent. Everything worked exactly... See more

Company replied

Rated 5 out of 5 stars
Verified

Amazing Experince!!! Honestly these guys are amazing at providing finance for your next car. Im still in shock at how easy it was and the customer support is second to none, someone was always... See more

Company replied

Rated 5 out of 5 stars

Ooooh! Aren’t you guys a breath of fresh air?! Not only the best APR, best app and excellent support online and on the phone from a smart and sophisticated team. It’s the best experience I’ve in had i... See more

Company replied

Rated 5 out of 5 stars
Verified

The application process was incredibly easy and straightforward. Carmoola offered me the lowest interest rate I found — just 8.7%. I’m very impressed with how convenient everything was through their... See more

Company replied

Rated 5 out of 5 stars
Verified

The whole experience from applying for funds to paying for the car, was an absolute breeze. I truly appreciate the team and how smooth the entire process was. Everything is organised through their app... See more

Company replied

Rated 5 out of 5 stars
Verified

Easiest and simplest way to get car finance, being a young person I didn’t think I would be able to get car finance but Carmoola made it possible! We had a few worries but everybody that we spoke to o... See more

Company replied

Rated 5 out of 5 stars
Verified

The whole process from start to finish has been nothing but amazing. i felt confident with my car purchase and everything was clearly explained the actual buying of the car couldn't have been easier i... See more

Company replied

Rated 5 out of 5 stars
Verified

I am saying 5 star as I have been treated with respect and understanding and have really work on with me and not against me also they have not charged me expensive APR I will be using these again on a... See more

Company replied

Rated 5 out of 5 stars

Honestly can’t thank Carmoola enough! I’d been declined by a few other finance companies because of my age and proof of income, but Carmoola accepted me in under an hour. The process was super simple... See more

Company replied

Rated 5 out of 5 stars
Verified

I am over the moon with whole carmoola experience. TBH I had heard of them and thought they were typical car finance, poor rates and all about squeezing the most out of you. Could not have been m... See more

Company replied

Rated 5 out of 5 stars
Verified

Wow! This is how things should be done. Only one way to describe this company. Called them for some advice and spoke to a real person. Once I decided to buy a car, the effort was zero from my side. No... See more

Rated 5 out of 5 stars
Verified

I recently switched car finance providers and stumbled upon Carmoola. The service was perfect. A few details were asked. The amount to refinance was agreed, and within 30 minutes, I had switched. Make... See more

Company replied

Rated 5 out of 5 stars
Verified

I was refinancing my balloon payment and Carmoola made this so easy in 1 minute compared to dealers who take 3-4 days making decision. Also very good competitive price. Team very helpful too. Would 10... See more

Company replied

Rated 5 out of 5 stars

What can I say? Poor credit, companies offering me 49% APR meaninmg if i borrow £10,000 im paying back around £15,000 - THEN COMES AN ADVERT ON TV FOR CARMOOLA? I thought it was going to be all the... See more

Company replied

Rated 5 out of 5 stars
Verified

Fantastic it was so easy especially when you’re not internet savvy. Would highly recommend to my friends. Thankyou so much

Rated 5 out of 5 stars
Verified

I recently had a fantastic experience with Carmoola car finance. From the moment I started the application process, everything was straightforward and user-friendly. The team provided clear guidan... See more

Company replied

Rated 5 out of 5 stars
Verified

So easy to use and seamless when sitting in front of the dealer. I have had a harder time wording food online. Highly recommended

Rated 5 out of 5 stars

I had a great experience selling my car, they paid the price what was quoted via a phone call, the app is user friendly to use. Overall happy with the service, highly recommend.

Rated 5 out of 5 stars
Verified

This is probably the best and smooth process I’ve ever experienced!!! Application is very simple and quick! Once cleared you will have a card with the balance which I added to my wallet and used just... See more

Company replied

Rated 5 out of 5 stars
Verified

Carmoola made things so easy to work out my budget ,They also check vehicles to check things like if it had write off or stolen or damaged which gave me peace of mind. When I finally found the ri... See more

Company replied

Rated 5 out of 5 stars
Verified

Excellent company to deal with. Plenty of support from the beginning all the way to picking up the car :) Very good APR offered and the entire process was as easy as placing a takeaway order on a Frid... See more

Company replied

Rated 5 out of 5 stars
Verified

It was a very blissful experience, very straight forward. Carmoola help me find the right finance option for my first car on finance. Cheerio!

Rated 5 out of 5 stars

I honestly can't rate Carmoola higher! From the very start, the whole process was easy & stress free. No complicated forms, no endless back & forth. Everything was explained clearly, moved quickly... See more

Company replied

Rated 5 out of 5 stars
Verified

Considering my credit score isn’t great, you guys gave me a really good budget and helped me get the car I thought i wouldn’t be able to get. The app is really straight forward and there’s no hidden J... See more

Company replied

Rated 5 out of 5 stars
Verified

Everything was made very easy. I didn't get hassled on the phone like other companies when you apply for credit. The app was easy to use - cant fault it. Money transferred to the dealer to pay f... See more

Company replied

Rated 5 out of 5 stars
Verified

Easy application. Swift answer. Great people to deal with if you need assistance

Rated 5 out of 5 stars
Verified

Exceptionally quick and convenient, just fill in few details on the app, connect bank for verification, select a car and voila! done and dusted

Company replied

Rated 5 out of 5 stars
Verified

Absolutely brilliant, straight forward quick and had my new car within a few hours, highly recommend

Rated 5 out of 5 stars
Verified

Really simple process with a quick response and good interest rate. Good communication throughout.

Rated 5 out of 5 stars
Verified

Great customer service, quick decision and helped me all the way

Rated 5 out of 5 stars
Verified

a very pleasant experience, an application that appeared to support people, much easier to use and you receive a response very quickly, I am very satisfied

Rated 3 out of 5 stars

A nice easy app to use, and with a soft search you get a result very quickly. But the result was very odd. For my salary, and credit rating I can regularly get soft search approval for £20-25k fina... See more

Rated 5 out of 5 stars

I would like to commend Charlie at Carmoola for the exceptional support she provided during a long and challenging issue I experienced with Zuto. Her help was truly invaluable. At a point when I w... See more

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Company details

  1. Car Finance and Loan Company

About Carmoola

Written by the company

Carmoola Logo
Carmoola Card

We are entirely reinventing how people pay for cars. We’re getting rid of the past and starting with a clean slate, freeing car buyers from old school processes so they can enjoy the freedom of driving off in their new car. Read what other customers said about their Carmoola experience, and if you think we could help you with your next car, why not get the Carmoola app on your phone!

From 6.9% APR. Rep 13.9% APR.

Get the App

Contact info

4.9

Excellent

TrustScore 5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 77% of negative reviews

Typically takes over 1 month to reply


Rated 5 out of 5 stars

This was my first time buying a car…

This was my first time buying a car using this type of service and I can only say that I am very impressed with how it all went. Super quick response to any questions and so simple to use, The dealer welcomed the use of Carmoola and it all went well.
thank you so much for making it a simple process.

9 December 2025
Unprompted review
Rated 5 out of 5 stars
Verified

Amazing

Amazing. The only word that can describe this whole experience. I applied on the Monday and received my budget, Then i started looking for cars , its great that you can add a car and it is fully checked for you, i got a tad carried away here and had around 12 cars yhat i “wanted” Eventually narrowed it down to one and went ahead with one from a garage local to me on the Saturday morning. I had the agreement signed and the money transferred to the garage by 12:30 the same day so yes they do everything they can to help and you are kept informed via the app which os so easy to use. Would highly recommend

6 December 2025
Rated 5 out of 5 stars
Verified

The whole experience was so easy from…

The whole experience was so easy from start to finish, didn't take to long to complete, a few easy steps to get get what I wanted, and it was so easy at the dealership, as it only took around 1 hour. I would definitely recommend Carmoola to anyone, THANKS CARMOOLA 😊

6 December 2025
Rated 1 out of 5 stars

Avoid like the plague

Avoid like the plague. Despite earning over £60k and having low outgoings, I was knocked back on a £20k car because the credit rating agency is still punishing me for debts I had to take on in my divorce five years ago. This company is nothing but a data harvesting scam. I got refused and then within minutes the phone calls started pouring in from all over the country. DON’T USE

30 November 2025
Unprompted review
Carmoola logo

Reply from Carmoola

Hey Matt,
thank you for sharing your experience, and I’m really sorry to hear how disappointing this has been for you 😞. Your application didn’t meet our criteria this time, and we completely understand how frustrating that can feel, especially when you were hoping for a different outcome.

I’ve just tried to give you a quick call to understand what may have happened with the phone calls you mentioned, but unfortunately I couldn’t get through. This is something we’d really like to look into for you, as that doesn’t sound right at all.

If you’re happy to chat, please feel free to drop us a message at support@carmoola.co.uk with a good time to reach you.

Thanks again for raising this —we’d really appreciate the chance to investigate it properly. 🙏

All the best,
Hayley

Rated 5 out of 5 stars
Verified

Quick and easy

Quick and easy. Been doing for 25 years and amazed how quick the process just by the tip of your finger not just before waiting for decisions if to be approved or not, selling not needed for your car. This ones is easy and friendly when you call them back

5 December 2025
Rated 5 out of 5 stars
Verified

Wow!!!!

Wow! This is how things should be done. Only one way to describe this company. Called them for some advice and spoke to a real person. Once I decided to buy a car, the effort was zero from my side. No silly hoops to jump through, just simplicity and ease. Well done Carmoola!

5 December 2025
Rated 5 out of 5 stars
Verified

Don’t finance a car any other way!

Wow! Everyone has seen how easy it looks in the adverts… and it is! Went from looking at cars and getting my budget to sat in my new one in less than 24 hours!

Great help from the customer service team and the app is so easy to use and view. I’ll be using Carmoola from here forward when buying a car, it’s awesome!

28 November 2025
Rated 5 out of 5 stars

I would like to commend Charlie at…

I would like to commend Charlie at Carmoola for the exceptional support she provided during a long and challenging issue I experienced with Zuto. Her help was truly invaluable. At a point when I was becoming quite frustrated, she stepped in with professionalism and reassurance, taking on responsibilities that made the situation far easier for me to manage.

I am deeply grateful for her dedication and follow-through. She consistently kept in contact with Zuto, ensured my concerns were addressed, and ultimately helped me recover my deposit from the dealer and have the loan agreement cancelled.

Charlie went above and beyond, and I cannot thank her enough for the outstanding assistance she offered.

20 October 2025
Unprompted review
Rated 4 out of 5 stars
Verified

Overall pretty good!

Overall - a good experience. Quick, straightforward and simple. Pre-approved means little though - you still need to be credit checked / provide proof of income, but once that is done and passed - no problems!

1 December 2025
Rated 5 out of 5 stars
Verified

Abit scary because it was so easy to…

Abit scary because it was so easy to navigate through the app and then they even do free checks on the car included in the deal. Honestly hands down best finance deal on a car ive ever done and this is my third.

28 October 2025

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