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

14.9/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-28 · rubric v0.5

0 APIs

CompanyFintechAutomotiveCar FinanceLendingConsumer CreditUnited KingdomMobile App

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.5

Composite quality — 14.9/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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
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