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Car finance made simple.

Get a quote No impact on your credit score

Zuto is a credit broker, not a lender. Our rates start from 10.6% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 20.9% the amount payable would be £208 a month, with a total cost of credit of £4,486 and a total amount payable of £12,486.

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Why car finance is a simpler way to buy your next car

Car finance can help you spread the cost of your new car by splitting out the total cost, plus interest, into regular monthly instalments that suit your budget.

Instead of haggling with a dealer or contacting several lenders, applying with Zuto means we can search our panel of over 15 lenders to find you the best finance deal based on your personal circumstances. We’ll be on hand to help with all your car financing needs, from the first quote through to finding the right car. 

We also work with a network of trusted car dealers, so you know you’re in good hands whether you’re buying your first run-around, something for the family, or your dream car.

White Nissan car

Car finance is quick, easy, and completely transparent with Zuto

Here’s how to arrange car finance in three simple steps with Zuto.

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1. Apply online

Use our easy online application to tell us a bit about yourself and how much you’d like to borrow. We’ll give you a quick decision and one of our team will be in touch to talk you through your options.


2. Pick your car

Now for the fun part. Whether you’ve already set your sights on a new car or you want to browse from our network of verified dealers, we’ll run a free vehicle and history check on any car you like.

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3. Get on the road

Once the final checks are completed and you’re happy with the details, we’ll take care of everything to make buying your new car as easy as possible. You simply need to collect the car and we’ll handle the payment with the dealer.

Why choose Zuto?

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    Get a decision within minutes

    Once you’ve filled in our online application, we’ll give you a quick decision so you know if we can help you, and how much you’ll be able to borrow.

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    Find the right finance

    At Zuto, we'll search our panel of lenders to find the best deal for you. We have access to over 200 products including some that aren’t available anywhere else.

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    Save time and hassle

    Our experts will guide you through the car buying process, and we'll help you with the paperwork and negotiations with the dealer.

Types of finance available

There are many different types of car finance available, and each has its own advantages. The best type of car finance for you will depend on your individual circumstances and needs. The three main types of financing available for your next car purchase at Zuto are:

  • HP car finance - Also known as hire purchase, this allows you to spread the cost of a car instead of paying in one lump sum. Once you’ve arranged a hire purchase contract, you can pay for your car in regular monthly instalments over a set period. Once you make the final payment, the vehicle is officially yours.
  • PCP car finance – A personal contract purchase agreement also allows you to make regular monthly payments over a set period. But instead of paying off the value of the car, you pay off the depreciation. At the end of the contract, you can hand the vehicle back or make a final balloon payment to take ownership of it.
  • Personal loans – If you buy with a personal loan, you’ll borrow money and then  use this  to pay for your chosen car outright and you’ll own it from day one. You’ll then need to keep up with the monthly repayments to your chosen lender.

Whichever option you choose, you’ll borrow money from a lender to pay for your car, then repay the lender in regular monthly instalments to cover the money you borrowed, plus interest.

Not sure which option is right for you? Check out our handy comparison chart.

Finance features:Hire purchase (HP)Personal contract purchase (PCP)Personal loan
Requires initial depositOptionalOptional
Car is yours at the end of the agreement
Fixed monthly payments
Avoid (final) balloon payment
Avoid excess mileage charge
Secured against an asset (e.g. a car)
Support with vehicle issues

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