We're open and here to safely support you if you need a new car
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Car finance made simple.

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    No broker fees
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    Free car history and value check
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    Buy from our verified dealers
Get your quote No impact on your credit score

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.

Car finance calculator

See how much you could borrow

Why choose Zuto for car finance?

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    Get a lending decision within minutes

    We can deliver a lending decision quickly so you know what car you will be able to afford. This way you can browse cars you know you can get. 

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    Get the deal that's right for you

    Dealers usually offer only a limited number of products. As a credit broker, Zuto compare a number of car finance products from multiple lenders. 

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    Save time and avoid the hassle, we'll do it all...

    We can help you with the admin, paperwork and negotiations with the dealer. Drive off in your new car rather than spending hours at the dealership. 

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How do I get car finance with Zuto?

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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.

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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.

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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.

Frequently asked questions

Our experts have the answers

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.

What criteria do I have to meet to apply for car finance?

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When applying for car finance with Zuto, you need to be at least 18 years old and have lived in the UK for three years or more. 

We work with a large panel of lenders and any decision is based on your personal circumstances.

Will applying for car finance impact my credit score?

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Applying with Zuto won't impact your credit score. When you apply, we run what's called a 'soft credit check' which allows our panel of lenders to decide whether your application is likely to be accepted or not. Visit our help and advice section on impact to credit scores when applying for car finance for more information.

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