The Carmoola site uses cookies, please let us know your preferences.
These cookies are strictly necessary for the website to function and can’t be switched off on our system. You can set your browser to block or alert you, but it may result in parts of the site not working properly.
Some of the data collected by this provider is for the purposes of personalization and measuring advertising effectiveness.
These cookies enable the website to provide personalisation to make the content of the site more specific for you as a user. If you don’t allow these, all of the functions we use to personalise the site will not function properly.
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us know which pages are the most and least popular, and see how visitors move around the site. They also help us understand where our users are coming from. If these tracking technologies are declined, no user specific information related to our site performance will be stored.
Some of the data collected by this provider is for the purposes of personalization and measuring advertising effectiveness.
These cookies may be set and used by our advertising partners to build a profile of your interests and show you relevant adverts on other sites. They don’t store personal data, but are based on uniquely identifying your browser and internet device. If you don’t allow these tracking technologies, you will experience less targeted advertising.
Some of the data collected by this provider is for the purposes of personalization and measuring advertising effectiveness.
We do not use cookies of this type.
When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device, and is mostly used to make the site work as you expect it to. The information doesn't usually directly identify you, but it can give you a more personalised experience. Because we respect your right to privacy, you can choose not to allow some types of cookies. You can use your browser settings to block all cookies (including essential cookies), but you may not be able to access all or parts of our website.
Important Information:
Personalising these settings or removing your consent for cookie usage does not automatically delete cookies already stored on your browser. These existing cookies may contain information about your preferences and browsing history.
To Remove Cookies:
You can manage and remove cookies by going to your browser settings. Locate the option for "Cookies" or "Privacy" and look for "Clear Browsing Data" or a similar function. From there, you can select the option to delete cookies. The exact steps may vary depending on your browser.
Hire Purchase – or HP – is a type of car finance that lets you spread the cost of a car over an agreed length of time, after which you'll own the car outright.
Personal Contract Purchase - or PCP - is a flexible finance agreement that allows you to hand the car back, own it outright or trade it in for another at the end.
Refinance is the process of taking out a new finance agreement so you can pay off your current loan and switch to a new lender.
Our calculator will estimate how much interest you'll be paying and how much your payments might be each month.
Use our early settlement calculator to estimate the outstanding amount on your current HP or PCP agreement.
See if you’re eligible for a car loan - it's fast, free and has no impact on your credit score.
Apple Pay uses the security features built into your Apple device, including Face ID and Touch ID - which are designed so only you can authorise payments.
With Apple Pay, you can pay quickly and easily with your Carmoola card right from your iPhone
Step 1
Make sure you’ve got the latest version of the Carmoola app
Step 2
Go to the ‘Card tab’ of the app and tap ‘Add to Apple Wallet’
Step 3
Once completed, you'll receive a ‘Card added’ notification
Step 4
If satisfied with Carmoola's T&C's, accept to proceed
Apple Pay enables secure payments via compatible Apple devices (see list of compatible devices below).
Once you have signed your agreement, we'll load up your Carmoola card with the amount of credit you agreed. You can then add that card to your Apple Wallet to pay for the car.
When ready to pay, you can authenticate the transaction using Touch ID, Face ID, or passcode. Depending on what the dealership allows, you can make the payment in the dealership, via the app or online.
Your Carmoola card is available exclusively for the purchase of the vehicle you choose and is outlined in your Hire Purchase agreement.
Once you've completed all the application steps and signed your Carmoola Hire Purchase agreement, you can add your Carmoola card to your Apple Wallet.
You can use Apple Pay at your chosen dealership if they accept contactless payments.
You may also be able to use Apple Pay for purchases online, using your compatible iPhone, iPad or Apple Watch.
iPhone: iPhone models with Face ID or Touch ID support Apple Pay, including iPhone SE, iPhone 6 and later models.
iPad: iPad Pro, iPad Air, iPad, and iPad mini models that have Touch ID or Face ID can use Apple Pay within apps and on websites in Safari.
Apple Watch: All models of Apple Watch can be used to make in-store payments with Apple Pay.
What would you like to do first?
Takes 60 seconds, no impact on your credit profile to see if you're approved 👍
Rates from as low as 6.9% APR, Representative 13.9% APR
Carmoola is a trading name of Carmoola Limited which is registered in England & Wales, under Registered No. 12992987. Its Registered Office is First Floor, 1 Whittlebury Mews West, Primrose Hill, London, NW1 8HS. Carmoola Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 958057), and a member of CIFAS (the UK’s leading fraud prevention service).
Registered with the Information Commissioner’s Office in compliance with the Data Protection Regulations 2018 under registration ZA905089.
Finance is subject to status and is only available to UK residents aged 18 and over. Carmoola is committed to responsible lending.
To get in touch, email us at support@carmoola.co.uk
If you are struggling with, or worried about debt, MoneyHelper provide free support.
Copyright © 2025 Carmoola All Rights Reserved