Oodle Car Finance is a well-known UK lender that helps people secure used car finance with confidence and clarity. Operated by Oodle Financial Services Limited, the company is authorised and regulated by the Financial Conduct Authority (FCA), ensuring every agreement meets strict consumer protection standards.
Oodle specialises in straightforward finance products such as Hire Purchase (HP) and Personal Contract Purchase (PCP). Each option follows a regulated credit agreement, so customers always know where they stand. HP, for example, leads to full ownership transfer once the final payment is made, while PCP offers flexibility through an optional balloon payment at the end of the term.
Why We Partner with Oodle Car Finance
At Carplus, we partner with Oodle because they share our commitment to fair, transparent lending. Oodle’s customer affordability assessments and credit checks focus on responsible decision-making rather than automated rejection. This means even customers with limited credit history can explore realistic finance options without unnecessary pressure.
Their process also includes soft credit searches during the early stages, so applicants can check potential terms without affecting their credit rating. And because Oodle works with an established car dealer partner network, it’s easier for our clients to find and finance a used vehicle in one smooth journey.
Regulation and Responsibility
Oodle Financial Services Limited operates under FCA regulation (FRN 702459) and maintains data protection registration with the Information Commissioner’s Office (ICO). These registrations ensure all lending, data processing, and customer interactions meet the highest UK standards.
In addition, Oodle’s agreements are governed by the Consumer Credit Act, giving customers clear rights such as voluntary termination — the ability to return the car after paying half of the total amount due — and early settlement, where customers can repay the balance in full before the term ends. If any issue arises, the Financial Ombudsman Service can review complaints and issue independent decisions, ensuring fair outcomes for all parties.
What Oodle Finance Offers for Our Clients
Through Carplus, customers can access Oodle’s flexible range of used car finance solutions designed for different needs and budgets. Their Hire Purchase (HP) and Personal Contract Purchase (PCP) agreements make car ownership more manageable through clear monthly instalments.
Oodle also provides practical tools like a car finance calculator, allowing customers to estimate payments before applying. During the application process, clients receive fast responses and straightforward documentation, often with same or next-day approval.
And for those who wish to settle early, Oodle supplies an accurate settlement figure and clear guidance through its Help Centre, so customers always stay informed and in control.
Why Oodle Finance Stands Out for Carplus Clients
What makes Oodle stand out is its balance of innovation, transparency, and care for real people. Their technology simplifies the application and approval journey, but the service remains personal and supportive. Every agreement includes clear details on deposits, monthly payments, and any early repayment fees, so there are no surprises later.
For Carplus clients, this means faster approvals, fairer assessments, and finance options tailored to individual circumstances. Oodle’s partnership approach helps us give every customer — regardless of credit history — a fair chance to finance a car responsibly.
Together, Carplus and Oodle Car Finance deliver more than just car loans. We provide trustworthy, regulated, and human-centred car finance designed to make car ownership achievable, sustainable, and stress-free.
