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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 9.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £7,000 over 48 months with a representative APR of 19.3%, the amount payable would be £205 a month, with a total cost of credit of £2,831 and a total amount payable of £9,831.

Car finance is a simple way to buy a car.

It splits the cost into a number of monthly payments, so you can get behind the wheel faster and with a budget that suits your lifestyle – whether you’re buying your first wheels, a family run-around, or your dream car.

At Zuto, we like to keep things simple. We’re a broker, so when you apply for a car loan with us, we’ll search our large panel of lenders to find the best deal for you and your personal circumstances.

Find out how much you could borrow with our car finance calculator, and keep reading to discover more. Before you apply, consider what you can afford and factor in other things like servicing, fuel and other running costs.

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Use our car finance calculator

Find out how much you could borrow

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 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 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 credit broker, Zuto compares multiple car finance products from our panel of 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. Give us a call for any support.

Everything you need to know

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.

How does it work?

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With a car loan 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. You can use it for brand-new cars, old run-arounds and everything in between.

There are three types of car finance:

  1. Hire purchase (HP)
  2. Personal contract purchase (PCP)
  3. Personal loan

You can find out more on our car finance options page.

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 you’ll have of being accepted for a loan or securing a better deal.

It’s important to consider what you can afford and budget accordingly to factor in any monthly repayments and 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 bad credit car finance guide.

Is car finance right for you?

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Car finance can be a great option for helping towards the cost of a new or used car. After all, cars can be expensive. However, whether a car loan is right for you will depend on your circumstances.

Advantages of car finance

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  • Makes it easier to afford a new car by spreading the costs out over a set period.
  • If you have a good credit rating, you could secure a low interest rate.
  • Depending on what type of loan you choose, you could own your car right away.
  • Some deals include maintenance and repair costs as part of the package.

You can start driving a newer, safer, more efficient model than you might otherwise have been able to afford without finance.

Disadvantages of car finance

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  • Depending on the type of loan you choose, you might only ‘lease’ your car from a lender.
  • The final cost of the car – including interest – will be more than paying upfront.
  • If you fail to meet your monthly payments, you could lose the car, leaving you without a vehicle but still owing money.
  • Some deals require large deposits.
  • Some agreements have limits, such as an annual mileage cap or being unable to make modifications.

Weigh up the pros and cons, and check the details of your lender’s offer, before agreeing to anything binding.

The positives and negatives of car finance will depend on what you need and your own circumstances, as well the type of loan you choose.

Find out more on how to apply below, or get started now. You can also talk to our team of experts on: 01625 619 944.

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What documents do you need to finance a car?

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Exactly what documentation is required to finance a car can vary between lenders. But as a minimum, you can expect lenders to ask for:

  • Proof that your personal details are accurate, possibly in the form of a utility or phone bill.
  • A photograph or scan of your driving licence.
  • Proof of your income, such as a payslip, so they can ensure you’ll be able to keep up with your monthly payments.

If a lender requires anything extra we’ll explain this to you.

Once we’ve found you the right lender and deal from our panel, we’ll be in touch to explain exactly what documentation you need to provide.

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.

How long do car finance applications take?

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We process applications instantly and aim to provide you with car finance quotes from multiple lenders on our panel in just a couple of minutes but on some occasions this can take longer if we need further information from yourself. If your circumstances are complicated, you can call us and get some help from one of our team.

Who owns a car if it’s on finance?

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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 for car finance?

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

Does applying for car finance 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 get car finance 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 car finance 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 car finance broker helps customers find car finance deals – 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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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 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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Monday to Thursday 9am - 8pm
Friday 9am - 7pm
Saturday 9am - 6pm
Sunday 10am - 6pm