# Carmoola

**Canonical:** https://apis.io/providers/carmoola/  
**Website:** https://www.carmoola.co.uk/  
**APIs profiled:** 0

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.

## Kin Score — 10.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 10.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Carmoola Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/carmoola/). Scores are computed from the provider's own public artifacts under a published rubric.