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Review of the Carmoola, Car finance:

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Poor APR % offered via Third party broker (Zuto)

I applied to Carmoola directly for car finance but got refused. However when I applied through Zuto I got approved which resulted in £2000 referral bonus given to Zuto which I believe has been factored into my interest rate even though Carmoola says it doesn’t. As a customer I believe I could have gotten a better deal (APR) if I got approved first and directly by Carmoola. Reviewed on: 10th June 2026

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