Car Finance
Made Simple.
We search 15+ lenders to find finance options that match your circumstances.
Rates from 8.9% APR, Representative 18.5% APR
Rated "Excellent" on Trustpilot by over 70,000 UK drivers
How Zuto Works
Four simple steps to get you on the road in no time.
Apply Online
Fill in a few quick details and get your personalised quote.
Compare Finance
We search our lender panel to find your best deal.
Choose Your Car
Already found a car or still searching - we'll always run a free vehicle check.
Drive Away
Most customers are on the road in 5 days.
Rates from 8.9% APR, Representative 18.5% APR
Drive away your car without paying anything upfront
No deposit needed and choose a payment date that suits you. Your first payment could be up to 45 days away, depending on your lender.
Finance a car from any dealership or choose one from our verified dealer network
No impact on your credit score
Our rates start from 8.9% APR, representative 18.5% APR
Monthly payments shown are estimates and depend on your circumstances. Your first payment date and any deferral period are set by your lender.
Approved? You won't do it alone.
If you're approved for finance, you'll be matched with a dedicated Car Buying Expert who'll support you over the phone through the next steps.
Talk Through Your Finance
Your Car Buying Expert will explain your finance options and answer your questions clearly, over the phone.
Find Your Car
Already found one or still searching? They can help you find a car that works with your budget.
We'll Help With the Dealer
Once you've chosen your car, your Car Buying Expert will help coordinate with the dealer and guide you through the paperwork and organise an optional test drive.
Frequently Asked Questions
Everything you need to know about car finance with Zuto.
Will checking my car finance options affect my credit score?
No. Checking your initial finance options won't affect your credit score. If you choose to proceed further, we'll always make it clear if and when a full credit check is needed.
Can I get car finance with bad credit?
Yes. We work with a broad panel of lenders who consider a wide range of credit histories, including customers with less-than-perfect credit. Approval depends on your individual circumstances and each lender's criteria.
Do I need to put down a deposit?
Not necessarily. £0 deposit options are available from selected lenders, depending on your circumstances and eligibility.
How long does the application take?
Our online application takes just a few minutes to complete. Once submitted, you'll usually get an initial eligibility decision in around 60 seconds.
What interest rate (APR) will I receive?
Your APR depends on things like your personal circumstances, credit profile, how much you want to borrow, and which lender and finance agreement suit you best. We'll always confirm your rate before you commit to anything.
Can I buy a car from any UK dealer?
In most cases, yes - as long as the dealer meets our standard quality checks. We'll always let you know if there are any restrictions before you go ahead.
Why Choose Zuto
More choice, less hassle, and checking your options won't affect your credit score.
No Impact on Your Credit Score
Check your initial finance options without affecting your credit score.
£0 Deposit Options
Keep your savings intact with £0 deposit options available from selected lenders.
15+ Trusted Lenders
We compare options across our lender panel to help find finance that suits your circumstances.
All Credit Histories Considered
Our lender panel considers a wide range of circumstances, including customers with less-than-perfect credit.
No Obligation to Proceed
See your options first - you're under no obligation to continue.
Real Human Support
Your Car Buying Expert is there over the phone to support you and help coordinate everything with the dealer.
