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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 9.4% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £7,500 over 60 months with a representative APR of 19.9% the amount payable would be £192 a month, with a total cost of credit of £3,997 and a total amount payable of £11,497.

Use our car finance calculator

Find out how much you could borrow

Car finance: a simpler way to buy a car

Car finance allows you to split the cost of your repayments into monthly instalments, on a budget that suits your lifestyle, so you can get behind the wheel faster.

We can arrange all your financing needs and help you find the right car from our trusted dealers, whether you’re buying your first wheels, a family run-around, or your dream vehicle.

At Zuto, we like to keep things simple. When you apply for car finance with us, we’ll search our large panel of lenders to find the best deal for you and your personal circumstances. You can also browse thousands of cars across the UK from our verified dealers.

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Our quick, easy, and transparent process

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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 team will be in touch.


2. Pick your car

Whether you’ve found your car or want to browse thousands of cars across the UK from our verified dealers, 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 you're happy to proceed, we’ll pay the dealer so all you need to do is pick up the car.

Why choose Zuto?

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    Get a lending decision within minutes

    We can give you a quote or lending decision for a car loan quickly, so you know what car you’ll be able to afford.

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    Get the deal that's right for you

    Dealers usually offer a limited number of products. As a specialist car financing company, Zuto can compare multiple finance options from our panel of lenders all in one go.

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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. Give us a call for any support.

How does it work?

With car finance, you can pay for your new wheels in a variety of ways. There are a few options to choose from to suit your budget and your lifestyle.

You’ll effectively borrow money from a lender to cover the initial costs of your car. You’ll then pay the lender back monthly for the money you borrowed, plus interest. 

There are three types of finance:

  1. HP car finance - with a hire purchase contract (HP), you can pay for your car’s value in regular monthly instalments over a set period. Once you make the final payment, the vehicle is officially yours.
  2. PCP car finance – with a personal contract purchase (PCP), you also make regular monthly payments over a set period. But instead of a car’s value, you pay off its depreciation. At the end of the contract, you can make a final balloon payment to take ownership of the vehicle.
  3. Personal loans – with a personal loan, you can buy your chosen car outright without the need to make monthly payments for its ownership.

Not sure which one 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

Customer reviews


Am I eligible for a car loan?

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Your eligibility depends on your credit rating. The better your credit rating, the more chance your application will have of being accepted, as well as securing you a better deal.

It’s important to consider what you can afford and budget accordingly to factor in any monthly repayments alongside the costs of running your new vehicle.

If you have a lower credit rating, you may still be able to secure a deal, but it might include higher monthly repayments or interest rates. You can find out more in our guide to buying a car with bad credit.

Who owns a car if it’s being financed?

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Who owns the car will depend on the agreement. For hire purchase (HP) and personal contract purchase (PCP), the lender owns the car until you make the final payment (or balloon payment for PCP). With a personal loan, you own the car from day one.

What credit rating do you need when financing a car?

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There is no credit rating limit, but the better your score, the more likely you’ll get approved at a lower rate.

Does applying affect my credit score?

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If you’re looking for initial quotes, no. When you apply with Zuto, we run an initial assessment of your credit file and check this against our lenders’ criteria to see if you’re going to be eligible. This is what’s known as a ‘soft search’, and it won’t appear on your records or impact your credit score in any way.

It’s then up to you which deal you choose to apply for – if at all. Once the application’s made and you’ve consented, the lender will need to perform a full credit search, and this will be noted on your credit history. But this never happens without your consent.

Can I apply with poor credit?

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Yes, just because your credit history isn’t perfect doesn’t mean lenders will turn you away. At Zuto we've been helping customers get on the road for over 15 years and work with a large panel of lenders, some of whom specialise in bad credit car finance

What does a car finance broker do?

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A broker helps customers find finance deals from a range of lenders that they work with – it doesn’t lend any money itself. At Zuto, we work with a large panel of lenders and we share their finance offers with you.

We can also offer you help and support along the way – just give us a call on 01625 619 944.

Why don't Zuto charge any fees?

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Any charges we incur are covered by the fees we receive from the lenders for arranging your agreement with them. This means we can offer our services to you totally free of charge.

What vehicles can I buy when applying with 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, you can use the stock search tool in My Zuto, your online account area. 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 team a call on 01625 619 944.

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