Also known as: Oodle Car Finance
Oodle Car Finance is a UK motor finance company that provides used car finance directly to consumers through an online platform and mobile app. Unlike many motor finance providers that work exclusively through car dealerships, Oodle aims to offer a more transparent digital experience.
Oodle provides Hire Purchase agreements for used cars. Customers can apply online before visiting a dealership, getting a decision in principle that gives them an idea of what they can borrow. The company works with a network of approved car dealers, and customers can also bring their own dealer.
Oodle has positioned itself as a company focused on making motor finance clearer and more accessible, with an emphasis on digital technology and straightforward communication. It has received investment from several major financial institutions.
The company typically serves customers who might not qualify for finance from the very cheapest mainstream lenders, but who do not necessarily have significant credit problems. Interest rates will depend on individual circumstances and credit history.
If you have an Oodle finance agreement and need to contact them, details are available on their website at oodlecarfinance.com. Oodle Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with your Oodle finance repayments, contact their customer support team. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are completely free and can help you work through your options.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Oodle Financial Services Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Hire Purchase (HP); Personal Contract Purchase (PCP); Used car finance direct to consumer
Trading names and group notes
Privately held fintech. Alex Chesterman (founder of Zoopla and Cazoo) is among notable investors.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
5.0 (on Trustpilot); contrast: 1.97 on Smart Money People
~19,778 reviews
Other review sources
Smart Money People: 1.97 stars from 38 reviews
Overall public sentiment
Trustpilot shows high satisfaction (fast approvals, simple process). Smart Money People shows very low satisfaction (complaints about disputes, mis-selling, exit fees). Significant platform discrepancy.
Prepare a simple monthly budget before speaking to your provider
Use Ask Fin to organise your income and outgoings before contacting your motor finance provider. Understanding your full financial picture can help you have a clearer conversation. General guidance only — not regulated financial advice.
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General guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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