Because Carmoola has not been around for a long time, it has had less time to build trust and credibility, meaning that many people could still be sceptical about the business and its longevity. When you get car finance from a company, you want to ensure that it's stable so that it doesn't go bust while you're still paying off the loan, as that can cause many headaches.  Thankfully, Carmoola is in a great position and has multiple investors, including Land Rover, meaning it has the capital to last. Plus, it's also authorised by the FCA, so your money and loan are protected if the business does go bust.