Checking if I'm eligible for car finance

Want to see how much you could borrow for that perfect car? Apply today without impacting your credit score and get an online decision in minutes.

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 £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

checking eligibility on laptop

Want to see if you’re eligible for car finance? Just apply online with Zuto today. It doesn’t take long to fill out our application form. We just need some details from you, then we can run our searches and check if you’d be eligible, without it affecting your credit score.

When you need to get your hands on a car quickly, it can be frustrating waiting to find out if you’re eligible. At Zuto, we try to keep things moving forward. Our team are always on-hand to answer any questions you have. If you want to get an idea of your situation quickly, apply online today and our team will be in touch to discuss.

Getting finance with Zuto is simple

  1. Apply with no impact on your credit score and get a lending decision today!

  2. We compare our panel of lenders, so you get a finance option that suits you.

  3. Search and test drive thousands of cars from our verified dealers.

  4. Complete all the required documents and get the keys to your new car...

Am I eligible for car finance?

Don’t worry if you’re not sure whether you’re eligible for car finance, Zuto try to make the process as easy as possible for you to get an answer.

We understand that there can be all kinds of common reasons why you might be worried about eligibility, such as having bad credit or if you’re self-employed. We also know that you’d rather get an idea of your chances of approval without impacting your credit file. Applying with Zuto does just that. We only run a hard search if you are approved and decided to proceed with an offer. At this point we will always gain your consent first.

By using your details to filter through different finance options with our panel of lenders, you could have an answer within minutes – helping to put your mind at rest and kick start your car purchase. Whether you’re worried about CCJs or mortgage arrears, the fact that you’ve not built up a credit history yet, or work for yourself, we’ll help take away the guesswork. Simply enter your details into our online application to get started and find out if you’re eligible for car finance today.

How applying with Zuto works

Making an application with Zuto couldn’t be easier. Each field or question on our form will take you step by step through the same process a member of our team would on the phone.

After entering that you want to buy a car, the form will ask you how much you want to borrow. You don’t need to know exactly how much, but we’ll need a rough idea before we can let you know whether you’re eligible for car finance. There’s a big difference between borrowing £1,000 and borrowing £10,000, so just try to be as accurate as you can.

Once you’ve entered all of the details required, we’ll do the rest. By automatically checking your application against the criteria of our panel of lenders, you will be told whether you’re eligible or not. Our system does it all without connecting with lender systems as a formal application, which means it won’t show up on your credit score down the line. If you are eligible, then you’re free to pick from any one of the quotes we’ve pulled together for you and if you do decide to proceed with the offer, we will need to run a hard search on your credit file but we will gain your consent beforehand.

Car finance calculator

See how much you could borrow

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 £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

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