Car Dealer Reviews

Car finance calculator

See how much you could borrow

How it all works

How Zuto Car finance works


Apply Online: Answer a few questions and we'll match you to one of our lenders

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  • We compare over 85 car finance options
  • Searching across 16 lenders
  • All quotes are based on the amount you want to borrow and your personal circumstances

Find or add a car you want to finance: Search online or tell us about a car you've found

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  • You'll be assigned your own personal car buying expert
  • Search 1000s of cars from dealers with our seal of approval
  • On hand to help you throughout the whole process

Sign the paperwork: Securely upload your paperwork and documents online

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  • You'll have your own account area which you can access anytime and on any device
  • A full summary of your application and next steps
  • Quickly and securely upload and download documents

Pick up your new car: We'll arrange everything with the dealer for you

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  • Your Car Buying Expert will help arrange everything with the dealer
  • All you have to do is pick up your new car


Based on 4,772 reviews
August 2018

Read through all our independent customer reviews


Verified order

The staff were very helpful from beginning to end. I now have a lovely BMW. Thanks Zuto.


Verified order

EXCEPTIONAL! Brilliant and couldn't have asked for more. They was exceptional with patient, friendly informative staff. This is the easiest 5 star and recommendation that I have ever given to anybody. Thanks to Sean, Rebecca and Sophie at Zuto.


Verified order

Very good finance company always kept me updated on my application and made it very easy for me to progress and get my finance sorted and find my car! Very good.

Look what our customers say about our service

Zuto customers would recommend us
Said the application process was clearly explained to them
Car buyers trusted us

Customers surveyed from 1st June 2018 to 31st August 2018

Frequently Asked Questions

Our experts have the answers

Car finance explained

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Whether you’re looking for a sporty BMW to get around town quickly, an Audi for some understated class or VW for family road trips in style, Zuto’s car finance will try and find the right finance option for you.

We believe that buying a car on finance should be simple; we like to remove the hassle that comes with paperwork and make the jargon and small print easy to understand, so all you need to worry about is finding the car you love.

Why finance a car with Zuto?

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Trusted by over 2.4m customers, we have 10 years+ experience in car finance and buying support.

We help people whatever their credit rating and will provide a free history and valuation check on any vehicle you’re looking at. This way you’ll know that the car details are genuine and if it’s reasonably priced too.

Zuto’s services are completely free of charge to the customer.

What cars can I buy on finance from Zuto?

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Our panel of lenders will finance cars, motorcycles, vans and touring caravans.

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 your online account area - My Zuto. 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 car buying experts a call on 01625 619 944.

What is car finance?

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Car finance is a way for you to buy a new or used car by spreading the cost over a period of months. So, instead of having to pay everything upfront, you can split the cost into manageable amounts that are paid in regular monthly instalments.

There are four main types of car finance available through Zuto, the most popular of which is Hire Purchase, or HP as it's more commonly known. The other financing options are Personal Contract Purchase or PCP, Conditional Sales and personal loans.

Another term you may see when you start to look at buying a car is Car Leasing. However, Zuto doesn't offer this option.

If you see the term 'guaranteed finance', it's important to remember that no one can guarantee your application will be successful until they've taken your personal details, noted which car you want and checked your credit file. All of these things will make a difference to your likelihood of being accepted or not, so when you see the words ‘guaranteed finance', it's usually a good reason to be cautious.

Can I get car finance if I have bad credit?

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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.