aid: carmoola
name: Carmoola
description: 'Carmoola is a UK-based, mobile-first car finance platform that lets consumers get a
  pre-approved budget in minutes through its app, then pay dealers or private sellers directly with a
  virtual card. It offers Hire Purchase (HP) and Personal Contract Purchase (PCP) financing, soft credit
  checks that do not affect the applicant''s score, flexible repayment terms, and the ability to refinance
  an existing car loan. Carmoola is authorised and regulated by the UK Financial Conduct Authority (FCA)
  and is backed by investors including QED Investors. This profile was surfaced as a QED Investors
  portfolio company and enriched by the API Evangelist pipeline; Carmoola operates a consumer app rather
  than a public developer API.'
url: https://raw.githubusercontent.com/api-evangelist/carmoola/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
image: https://www.carmoola.co.uk/hubfs/carmoola-logo.svg
tags:
- Company
- Fintech
- Automotive
- Car Finance
- Lending
- Consumer Credit
- United Kingdom
- Mobile App
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/carmoola-domain-security.yml
- type: Website
  url: https://www.carmoola.co.uk/
- type: About
  url: https://www.carmoola.co.uk/about-us
- type: Blog
  url: https://www.carmoola.co.uk/blog
- type: Support
  url: https://www.carmoola.co.uk/contact-us
- type: SignUp
  url: https://customer.carmoola.co.uk/login
- type: Login
  url: https://customer.carmoola.co.uk/login
- type: TermsOfService
  url: https://www.carmoola.co.uk/legal/terms-conditions-website
- type: PrivacyPolicy
  url: https://www.carmoola.co.uk/legal/privacy-policy
- type: Careers
  url: https://www.carmoola.co.uk/careers
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence