Carmoola

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.

Carmoola is profiled on the APIs.io network. Tagged areas include Company, Fintech, Automotive, Car Finance, and Lending.

Carmoola’s developer surface includes engineering blog, support, signup flow, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

10.6/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Automotive Car Finance Lending Consumer Credit United Kingdom Mobile App

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 10.6/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 1.4 / 20

Access Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/carmoola: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Carmoola Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

About

Blog

Careers

Source (apis.yml)

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
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

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/carmoola"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/carmoola/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/carmoola/evidence"

Discovery needs no key. Ratings and market analysis are Pro.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.