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Carmoola: Car finance reviews

4.86
Based on 1,117 reviews, last reviewed 30th Jul 2026
106000% increase in 5 star reviews
in the past 90 days
400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
4%
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0%
2 star
See only 2 star reviews
0%
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0%

Latest highest rating:

5

very good perfect good express good condition very good perfect good express good condition Reviewed on: 30th July 2026
Radoslaw S's avatar
Radoslaw S

Latest lowest rating:

1

In process of having to file a case with the financi... In process of having to file a case with the financial ombudsman due to having to spend the best part of 5k to sort the car out and it still has other... Read more Reviewed on: 29th July 2026
John Young's avatar
John Young

About this product

The Carmoola app is an all-in-one car finance app where you can find finance and buy a car.

In just 60 seconds, Carmoola will show you how much you can spend without impacting your credit score. You can also make adjustments to your plan before you commit to a loan.

Carmoola reviews help you find out what it’s really like to be a customer. If you’ve used Carmoola before, you can also leave a review and share your experience.

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Carmoola Car finance reviews (1117)

Carmoola are the reason I now pay for my own car.

5
Carmoola are the reason I now pay for my own car. With no one else willing to let an 18 year old finance their own car without a large deposit, I thought I'd wasted thousands on lessons. I had no financial support when paying for lessons or a car, so I thought all hope was lost. Now, I'm a year into my car finance and I'm so glad I decided to trust Carmoola. Reviewed on: 10th June 2026

Easiest car finance ever!!

5
Easiest experience ever and I had my new wheels within no time Reviewed on: 10th June 2026

I had an excellent experience with Carmoola.

5
“I had an excellent experience with Carmoola. The whole process was incredibly quick and easy—I got the amount I was eligible for basically instantly. Plus, you can choose how long you want to make the payments, which gave me a lot of flexibility. Overall, fantastic value and just a really seamless experience!” Reviewed on: 10th June 2026

Extremely pleased with everything

5
I got a lot more than I thought I could get when applying plus it was that easy to do I thought it was fake. No hassle when buying my car and the app is great too I know exactly where I am with it Reviewed on: 10th June 2026

They explain everything, and put your mind at rest

4
They explain everything, and put your mind at rest Reviewed on: 10th June 2026

Easiest financial transaction I have ever made.

5
Easiest financial transaction I have ever made. I love that it gave me a budget and the whole process was slick and hassle free. Reviewed on: 10th June 2026

The quickest and easy way to buy a car.

5
The quickest and easy way to buy a car.. download app get approved and bosh you are ready to buy a car. As far as customer service, they where there from the start making sure I understood everything before buying. Brilliant service all round. Reviewed on: 10th June 2026

Quick, Easy process, couldn't ask for anything more!

5
Quick, Easy process, couldn't ask for anything more! Reviewed on: 10th June 2026

Really easy to use and contact support, ability to m...

5
Really easy to use and contact support, ability to make extra payments very easy and quick, good app Reviewed on: 10th June 2026

Carmoola, flipping car buying on its roof

5
There are few experiences more draining than buying a used car the traditional way. You know the routine: walk into a showroom, get cornered by a salesman called Leeroi who couldn’t tell a Kia from a Caterham, and endure a lengthy discussion about optional alloy wheels while trying to establish whether the car is front-, rear- or four-wheel drive. Carmoola turns that entire process on its head. Imagine walking into a dealership with the confidence of a cash buyer. Before you’ve even crossed the forecourt, you already know exactly how much you can spend and precisely which car you’re interested in. No awkward negotiations. No uncertainty. No waiting around for finance approvals while someone disappears into a back office clutching a calculator and a coffee. That’s the beauty of Carmoola’s app-first approach. Finance approval happens before you start shopping, giving you a clear budget and putting you firmly in control of the buying experience. It’s quick, transparent and refreshingly free from the usual dealership theatre. What impressed me most, however, wasn’t the technology. It was the people behind it. When I needed help, I spoke to someone who genuinely knew what they were talking about. They answered my question honestly and directly. There was no sales script, no exaggerated storytelling, and no attempt to steer the conversation towards a sale. In an industry where the customer is often made to feel like a passenger, Carmoola hands back the keys. The process is straightforward, the app is easy to use, and the transparency gives you the confidence to focus on what really matters: finding the right car. And that, frankly, is how buying a car should work. Nicely done, Carmoola. Reviewed on: 10th June 2026

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