BMW Finance
- Over 2,900 BMWs available to finance from verified dealers
- All credit scores considered
- We say yes in 60 seconds
No impact on your credit score
Zuto is a credit broker not a lender. Our rates start from 8.9% APR, representative 19.0% 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 search our panel of lenders to find the best deal to suit your needs.
Choose your BMW
Whether you've already found the vehicle you want 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 your new vehicle.
Over 2,900 BMWs to choose from
Zuto only partner with trusted dealerships that have passed our quality and service standards. Our vehicle buying experts are here to help you every step of the way!
Frequently asked questions
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 get car finance 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.
How can I view the BMWs that are in stock?
Once you’ve applied and created an account, you’ll get access to over 2,900 BMWs in your My Zuto account area. From there, you can filter by postcode, price, make, or model to find the perfect car near you. All cars are from approved dealers, so you can browse with confidence.
What models of BMW are in stock?
We work with verified dealers that have a huge range of BMW models in stock. From small hatchbacks like the 1 Series, to more family-friendly models like the 3 Series or X5. We also have a range of sportier models such as the Z4 or M Series.
Why choose Zuto
£0 Deposit Options
Many of our lenders offer zero deposit options to help spread the cost.
Providing car finance since 2006
Over 5.3 million customers have trusted Zuto.
Wide range of lenders
We have over 275 finance options available from 16 lenders.
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.
