Carmoola Reviews 

I can’t say enough good about this vehicle finance company. So much so I’m now buying my third car through them and recently transferred from another lender because the experience wasn’t the same.
The customer service that they offer is unparalleled.
Thanks for your help guys, glad to be back with you.

I have had a good experience with Carmoola so far. The process was straight forward and because I was able to refinance at a great price, so far so good!

Amazing experience, they were able to respond so quickly when I needed. Pay out was nice and quick.

Whenever I did need something they were able to sort it within an hour.

Super amazing and really do recommend!

I had a lovely chat with K on WhatsApp when I wanted to check if my payment had gone through. She was so polite, friendly, and professional, and made everything really easy. Thank you, K, for being so helpful and lovely to speak to! 😊

Whilst a little frustrating at having to repeat myself over text and email submitting documentation, it wasn’t massively time consuming so overall a straight forward process with multiple points of contact although majoritively Jack looked after my application.

The entire process was smooth from start to finish. Carmoola handled everything efficiently, making the experience completely hassle-free and requiring very little effort on my part. The dealership was paid promptly, and everyone was happy with how smoothly everything went. Special thanks to Ash as well for the excellent support throughout the process. I really appreciate the great service and would highly recommend Carmoola!

Honestly one of the best companies I’ve ever dealt with.

This is my second car I have financed with Carmoola and their customer service is exceptional. Their team on WhatsApp respond within minutes and getting through on the phone is super quick as well.

Everyone I have dealt with have been nothing but friendly and helpful and they make the process of financing your car so easy.

Both times, I have had my car sorted and ready to go in less than 48 hours.

Can’t fault Carmoola at all 👏🏽

They listened and helped. Thank you. Great company

I had a motor finance and settled early through a dealer after a part exchange. The payment was delayed from the dealer’s side and I had to pay instalments for a couple of months after. However, when Carmoola received the payment, everything was cleared and extra payments were refunded within 24 hours. It included the time taken me to reply with my bank details.
Before all of these, it was really easy to get a deal from the app. I got a better deal and saved £35 per month by switching to Carmoola. I’m really happy from start to finish with the service.
App is really good for tracking payments and getting nice notifications (many more). It’s a really cool app, I like it.

⭐️⭐️⭐️⭐️⭐️ Impressive Service from Start to Finish!

I must say, from my very first contact with Carmoola, my experience has been nothing short of excellent. I’m genuinely impressed with how they operate as a company.

The whole process has been straightforward, efficient and easy to understand. Everything feels well organised, transparent and customer-focused, which is really refreshing, especially when dealing with car finance.

Most recently, I contacted them to enquire about changing my vehicle during my finance agreement, and I had the pleasure of speaking with Katie.

She was absolutely brilliant! Friendly, patient and incredibly thorough. Every question was answered clearly, and nothing felt like too much trouble. In fact, her responses were so quick and detailed that I genuinely thought I was chatting with a bot! 😂

What I particularly appreciate about Carmoola is how easy they make everything feel. There’s no unnecessary complication, just clear information and helpful service.

It’s not often that a company leaves such a positive impression from the very beginning, but Carmoola certainly has.

Keep doing what you’re doing, Carmoola, because whatever your approach is, it’s working! 👏🏽😊

Fantastic service throughout, very simple and quick. Mo and kev dealt with my finance and ensured a smooth process, they guided me through every step and answered any question i had almost instantly … highly recommend this company, 5 star from start to finish. Thank you guys

great service

Just became a customer, rang for the first time, at a pretty late time regarding some info on the Carmoola+ benefits.

Kev answered all my questions and genuinely wanted to help me. Top bloke, his willingness caught me by surprise! Solid.

Excellent service. On time delivered of action. Good user experience and seamless communication/application process

Kev, was so helpful. Resolved my query very fast. Very happy with the service he gave.

Pretty much hassle free even if there are a tin of hoops to jump through, the staff were friendly and helpful all the way through

Everything was easy to understand and fully explained as progress was made.

Fantastic service from start to finish nothing was a problem

Straightforward application, easy to access and change things through the app, very helpful customer service with clear and very quick responses, absolutely no pressure unlike other companies, literally go at your own pace,
Fantastic to deal with and world's apart from the dated salespeople companies

An appalling experience – nine months later and Carmoola are still dragging this out

I genuinely cannot recommend Carmoola after the way my complaint has been handled.

I financed a vehicle through Carmoola in January 2026. Problems were reported almost immediately and I exercised my short-term right to reject the vehicle within the first 30 days.

Carmoola refused the rejection.

What followed was months of being passed around, evidence being disputed and a vehicle I had rejected remaining on finance while I continued paying for it.

During this process, I have also had two independent inspections carried out myself, one of which was by Volkswagen. Both identified problems with the vehicle, with the original independent inspection documenting multiple serious issues and Volkswagen subsequently confirming that the steering problem still remained.

I eventually took the complaint to the Financial Ombudsman Service.

After reviewing the evidence from both sides, the FOS investigator UPHELD my complaint.

The investigator concluded that:

• The vehicle was not of satisfactory quality when supplied.
• I had exercised my short-term right to reject within 30 days.
• Carmoola should have accepted the rejection by 29 January 2026.
• Work had been carried out on the vehicle before the later inspection, affecting the evidence available to the inspector.
• Carmoola had not been fair and impartial in its handling of the matter.

The investigator recommended that Carmoola terminate the finance agreement, take the vehicle back, refund my deposit, refund certain payments and expenses, pay interest and compensation, and remove any adverse information relating to the agreement from my credit file.

You would think that after an independent FOS investigator reached findings that clear, Carmoola might finally reflect on how this had been handled and bring an already exhausting dispute to an end.

They haven’t.

Carmoola rejected the investigator’s findings and have chosen to take the matter to an Ombudsman, potentially adding months more to a dispute that, according to the FOS investigator, should have resulted in my rejection being accepted back in January.

Of course Carmoola are entitled to challenge the investigator’s assessment, and the Ombudsman will now make the final decision. But as a customer, I find their decision to continue fighting this bitterly disappointing.

This isn’t a review written because Carmoola simply refused to give me the outcome I wanted. An independent FOS investigator has now examined the evidence and found in my favour on the fundamental issues.

Nine months of stress, correspondence, phone calls and continuing finance payments later, I’m still waiting for Carmoola to take responsibility and bring this to an end.

Based entirely on my experience, I would never finance another vehicle through Carmoola and couldn’t recommend them to anybody.

I’ll update this review once the Ombudsman has made the final decision.