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Investor briefing. Global ABS Barcelona, June 2026.
UK used-car finance, built direct for the consumer. We originate, underwrite and service every loan in-house through a single mobile app.
don't trust the finance options offered by dealerships.
Only 11% of consumers trust car dealers. The FCA DCA scandal exposed hidden commissions worth an estimated £9 to £18 billion.
Paperwork at the forecourt. Last-minute pressure. Confusing APRs. In 2026, buyers are still stuck at a dealer's desk.
Over 70% of car buyers research online first. They want finance sorted upfront, on their terms.
Regulator examines billions in compensation as discretionary commission arrangements come under scrutiny.
Provisions mount across the industry as the Supreme Court considers landmark commission rulings.
Carmoola has zero exposure to the DCA scandal. We have never paid a broker commission.
A consumer downloads Carmoola, gets a real credit decision in minutes, and walks into any dealer with a virtual Mastercard pre-loaded with their loan amount. No paperwork at the forecourt. No second underwriting.
Higher is better. Carmoola's 97 puts us above every major bank and most fintech peers.
I decided to stick with you because you are amazing. Within a few minutes I was approved. The whole process was so smooth.
08 Landscape
UK motor finance, mapped by borrower risk tier. Carmoola straddles prime through near-prime, competing on app-experience and price.
Across Low-prime and Near-prime, Carmoola is the only originator distributing one-hundred per cent direct-to-consumer.
Source · Carmoola market mapping, May 2026
Incumbents lend through dealer networks. Brokers shop quotes but never hold the loan. Carmoola is the only player that originates, underwrites, funds and services a regulated motor loan directly to the consumer — in a single mobile app, in under sixty seconds.
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Carmoola is the only D2C fintech lender in the UK car-finance market. The market is evolving from indirect, broker-led journeys toward direct, app-native experiences — and we own that corner of it.
The active UK loan book as at 30 April 2026. Headline pool characteristics at the cut-off date — hover any row for the underlying figure.
Principal advanced each quarter, stacked by Senna risk bin — Bin 1 lowest risk, Bin 6 highest. Quarterly volume has climbed steadily since launch. Hover a quarter for the bin-by-bin split and total.
Each line is one origination quarter, tracked by months on book — colour runs deep blue (oldest) through to fuchsia (newest). Hover any line to focus that vintage; the rest fade back. Arrears, bottom, are split by how many payments are missed.
Distribution of the current balance across each dimension. Bars show share of outstanding balance; the peak band in each is highlighted. Hover for loan counts.
Happy to dig into the detail.
Our team has built lending, payments and technology at:
For professional and institutional investors only. All figures indicative; not an offer of securities.