Brothers Fiesta

Car finance made simple.

  • No broker fees
  • Free car history and value check
  • Buy from our verified dealers

Zuto is a credit broker, not a lender. Our rates start from 9.0% APR. The rate you are offered will depend on your individual circumstances.

Representative Example: Borrowing £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

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1. Apply online

Tell us about yourself and how much you’re looking to borrow. You’ll get a quick decision and one of our Car Buying Experts will be in touch.

Parked Cars

2. Buy with confidence

Whether you’ve found your car or want some help in the search, we run a free vehicle and history check on anything you’re looking at.

Handing over a car key

3. Get on the road

Once the lender has done their final checks and if you can proceed, we’ll pay the dealer so all you need to do is pick up the car.

Car finance calculator

See how much you could borrow


Our customers love us


of Zuto customers would recommend us


customers have trusted Zuto for a finance quote


found the Zuto car financing process clear and transparent

Details taken from Zuto customers surveyed from 01/07/19 to 31/10/19

Frequently asked questions

Our experts have the answers

Why come to Zuto for vehicle finance?

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The traditional way of arranging car finance is to take out a finance plan from the dealer when you buy the car. But if you sort things out with Zuto before you get that far, you give yourself three big advantages:

  • You know exactly what you can afford before you get to the dealer - you’re negotiating from a position of strength
  • You’ve had the chance to make sure you've got a deal that’s right for you. Dealers usually offer only a limited number of deals from one finance provider
  • You save time. We can deliver a lending decision quickly, often within seconds of submitting your application. Then we can help you with the admin, paperwork and negotiations with the dealer. That way, you can drive straight off in your new car rather than spending hours in the dealer’s office

Why don't Zuto charge any fees?

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Zuto is a broker, not a lender, so any charges we incur are covered by the fees we receive from the lenders for arranging your car finance with them. This means we can offer our services to you totally free of charge.

What vehicles can I buy with car finance from Zuto?

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Our panel of lenders will finance cars, motorcycles, vans and touring caravans.

We can also provide finance for more specialist vehicles, so whatever you’re thinking of buying, give us a call on 01625 619 944.

If you don’t have a car in mind, but you’ve already been pre-approved for finance, you can use the stock search tool in your online account area - My Zuto. This allows you to search for cars that you think you might like to buy from any reputable dealer. When you find something, you can add it to your Shortlist and we’ll carry out the vehicle checks and provide a finance quote specifically for that car. Again, you can also give one of our car buying experts a call on 01625 619 944.

Can I get car finance if I have a bad credit history?

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Bad credit car finance is one of the areas that the Zuto team understands well. We’ve helped thousands of drivers – with all kinds of backgrounds – to find right car finance deal for them. 

By getting to know you and your situation in detail, we can tailor the search through our panel of lenders, focusing on those we know have a history of providing car finance to drivers in your circumstances.

Arrange a call back

Opening Hours:
Monday to Thursday 9am - 8pm
Friday 9am - 7pm
Saturday 9am - 6pm
Sunday 10am - 6pm