By using this website and its related services, you acknowledge that you have read the terms and conditions and that you accept and will be bound by them, as they may be modified by Carmoola Limited from time to time, as posted on this website. If you do not agree to the terms and conditions of use, you may not use this website.
Our Privacy Policy also applies to your use of this website.
Legal name and address
Carmoola Limited (“Carmoola”), Registered Office: First Floor, 1 Whittlebury Mews West, Primrose Hill, London, NW1 8HS. Registered in England and Wales under company number 12992987
Carmoola Limited is authorised and regulated by the Financial Conduct Authority. (Firm Reference Number: 958057)
For the purpose of these terms and conditions of use, references to Carmoola shall include any holding company and any subsidiary within the Carmoola group of companies in addition to any of its directors, or personnel.
Copyright, Designs & Patents
All information on this website is protected by copyright in the United Kingdom and in other countries. Unless otherwise specified (see the Limited Disclaimer of Copyright below), no one has permission to copy, display, distribute, or republish in any form, or store by electronic means any part of the information found on this website without the written permission of Carmoola, except in accordance with the Copyright, Designs & Patents Act 1988. The posting of information or other materials to this website does not constitute a waiver of any proprietary right in such information and materials (such as, but not limited to, copyrights, trademarks, trade names or other intellectual property) and does not transfer any rights to a user on the website or any other third party, except as expressly provided herein.
Trademarks
Carmoola® is a registered trademark of Carmoola Group Limited.
Limited disclaimer of copyright
Anyone may view the information (and incidentally create an electronic copy of the information) available from this website for information purposes only. No part of the information at this website can be otherwise redistributed, copied or reproduced in any form without the prior written consent of Carmoola.
Carmoola makes no representation or guarantee as to the accuracy, timeliness, or completeness of the website materials. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on this website.
Carmoola assumes no responsibility for any errors or omissions in the content of the website.
Changes to the website
Carmoola periodically amends, changes, adds, deletes, updates or alters the information on the website, , without notice.
Carmoola specifically disclaims any duty to update the information on the website.
Carmoola does not guarantee that this website, or any content on it, will always be available or be uninterrupted. Carmoola may suspend or withdraw or restrict the availability of all or any part of this website for business and operational reasons.
You are responsible for ensuring that all persons who access this website through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.
Changes to these terms
Carmoola amends these terms from time to time. Every time you wish to use the website, please check these terms to ensure you understand the terms that apply at that time
Typographical errors
This website could include technical inaccuracies or typographical errors.
Indemnification by user
User agrees to indemnify, defend and hold Carmoola harmless from any liability, loss, claim and expense, including legal fees related to a user’s violation of these terms and conditions or unauthorised use of the services and information provided at this website.
Carmoola’s responsibility for damage
This website is provided for domestic and private use. You agree not to use this website for any commercial or business purposes, and Carmoola has no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
Carmoola is not liable for any damage to any device or digital content belonging to you to the extent it is caused by defective digital content created or supplied by third parties, even if you download or access this from this website.
Viruses
Carmoola does not guarantee that this website will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programmes and platform to access this website. You should use your own virus protection software.
You must not misuse this website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to this website, the server on which this website is stored or any server, computer or database connected to this website. You must not attack this website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. Carmoola will report any such breach to the relevant law enforcement authorities and will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use this website will cease immediately.
Links to other websites
This website contains links to other websites. Carmoola is not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by Carmoola. Inclusion of any linked website does not imply approval or endorsement of the linked website by Carmoola.
Linking to this website
You may link to the home page, provided you do so in a way that is fair and legal and does not damage Carmoola’s reputation or take advantage of it.
You must not establish a link in such a way as to suggest any form of association, approval or endorsement on the part of Carmoola where none exists.
You must not establish a link to this website in any website that is not owned by you.
This website must not be framed on any other site, nor may you create a link to any part of this website other than the home page.
Carmoola reserves the right to withdraw linking permission without notice.
Submission of information
All information transmitted, or otherwise submitted to Carmoola, via this website shall only be used by Carmoola to the extent permitted by applicable legislation, specifically data protection legislation in the United Kingdom and Ireland.
General
These terms of use, their subject matter and their formation, are governed by English law. You and Carmoola both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a consumer resident in Northern Ireland you may also bring proceedings in Northern Ireland, and if you are a consumer resident in Scotland, you may also bring proceedings in Scotland.
To the extent that any portion of these terms and conditions shall be determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these terms and conditions as so modified will remain in full force and effect.
Any waiver of any provisions contained in these terms and conditions by Carmoola shall not be deemed to be a waiver of any other right, term or provision of these terms and conditions.
Carmoola may transfer its rights and obligations under these terms to another organisation.
You may not transfer your rights or obligations under these terms.
You can also contact us at: Customer Services, Carmoola, First Floor, 1 Whittlebury Mews West, Primrose Hill, London, NW1 8HS or email: support@carmoola.co.uk
How does HP finance compare to PCP and Personal Loans?
Hire Purchase (HP)
Personal Contract Purchase (PCP)
Personal Loan
No deposit required
Car is yours at the end of the agreement
Optional
Fixed monthly payments
No (final) balloon payment
No excess mileage charges
Secured against the vehicle
Available on Carmoola
This table outlines features of typical agreements and may not apply to all agreement options. Speak to the lender to understand the specific details of the agreements they provide.
What do I need to apply for a Hire Purchase agreement?
To get started, all you’ll need is our app and a full driving licence. We’ll ask you to share a few personal details, so we can check your eligibility – this will involve a soft credit check but don’t worry, it won’t affect your credit score.
What happens at the end of my Hire Purchase agreement?
Congratulations! Once you reach the end of your HP finance agreement, and have paid a small Option to Purchase fee of £1, you’ll be the car’s legal owner. Now, you can keep the car, sell it, modify it, or trade it in for a new one – it’s completely up to you.
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