Bad Credit Car Loans
- We say yes in 60 seconds
- Check your eligibility without impacting your credit score
- All credit histories considered
- No deposit Car Loans available
No impact on your credit score
Zuto is a credit broker not a lender. Our rates start from 12.9% APR, representative 22.6% APR.
How Zuto works
Apply Online
Using our simple application form, we will need a few details to provide a personalised quote.
Compare Finance
We’ll compare the best quotes from our panel of lenders to find the best deal to suit your needs.
Choose your car
Whether you've already found a car or want to browse our verified dealers, we'll run a free vehicle and history check for you.
Drive Away
We’ll take care of everything with the lender and arrange payment to the dealer so all you need to do is collect the car.
Can I get car loan if I have bad credit?
Yes, we can help people with a less-than-perfect credit history. You may find that you're not offered the great rates that someone with excellent credit history might get, but we may still be able to help you find a finance option to suit your circumstances.
Do I need a deposit to be accepted?
No, a deposit could be beneficial but many lenders may still approve you without one.
Can I still get a car loan if I’ve been made bankrupt?
If your bankruptcy has ended and you’ve been discharged, you can apply for a loan again. Your bankruptcy usually lasts one year, and when it’s finished you’ll receive a letter which states that you are now ‘a discharged bankrupt’.
It is usually best to wait at least 12 months in order to try and rebuild your credit score before you start to apply for credit again, as it may be seen as negative if you start trying to get credit straight away. It’s also worth bearing in mind that if you’ve been made bankrupt, your credit score will have been severely damaged. This usually means you’ll be excluded from the best rates available, so your finance will cost more in the long run.
If you are still bankrupt, unfortunately we won’t be able to help you. Taking further credit at the level you’d need to buy a car, when you’re bankrupt, is legally not allowed.
Can I apply for a car loan if i have a default?
If you have a default recorded against you, it may help your chances of approval, when applying for new credit, by adding a ‘notice of correction’, to your credit file. This is a statement of up to 200 words in which you can offer an explanation as to why this happened. Lenders will review this in determining whether to accept your credit application.
With a default recorded we also recommend making contact with the lender in question and make the effort to pay them off, no matter how small a contribution you can make per month. By reducing or satisfying your default balances you will be viewed more favourably by a potential lender.
Why choose Zuto
£0 Deposit Options
Many of our lenders offer zero deposit options to help spread the cost.
Drive Away Within 7 Days
We go at your pace, but on average, you'll have your car within a week.
Providing Car Loans Since 2006
Over 5.3 million customers have trusted Zuto.
Expert Advice
Our team of car finance experts provide advice and guidance throughout the whole car buying process.
Flexible Terms
We offer flexible finance options including repayment terms tailored to your individual circumstances.
Convenience
Our easy online application process means you can start the car finance process anywhere!
Zuto is credit broker, not a lender. Zuto Limited is authorised and regulated by the Financial Conduct Authority, registration number 452589. All finance is subject to status and income.
Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Certain exclusions for NI residents. Zuto won't charge you anything for our service but we will receive a commission from the lender which varies based on the product, amount borrowed or your credit score. This doesn't affect the amount you pay. Written quotation on request.
Our rates start from 8.9% 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 19.0% the amount payable would be £201 a month, with a total cost of credit of £4,064 and a total amount payable of £12,064.
