Zuto is a credit broker, not a lender. Our rates start from 10.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £6,500 over 48 months with a representative APR of 20.3%, the amount payable would be £193 a month, with a total cost of credit of £2,767 and a total amount payable of £9,267.
Car finance is simple with Zuto. We work with a number of lenders to provide you with deals that are right for you, and we have experts on hand to guide you through the process, from start to finish – they’ll even help you find a car to suit your budget and needs.
It’s easy to get started straight away, but if you want to find out more then have a look at our options below.
Car finance has three main types – hire purchase (HP), personal contract purchase (PCP) and a personal loan – but we’re also able to help you if you’re self-employed, have no deposit, or have a poor credit rating. And if you can’t find the right information, get in touch or give us a call on 01625 619 944.
The most popular type of car finance – monthly payments and the car’s yours at the end of the agreement.
Monthly payments based on the depreciation, with the option to buy when the term ends.
Get a personalised quote on used cars – we can even help find the right vehicle for you.
You don’t always need a deposit for car finance. Some of our lenders can help get you on the road.
Check if you’re eligible for car finance and find out what we check, and how we check it.
Some of our lenders may be able to help you with car finance, even if you have negative equity.
The three main types of car finance are:
| Finance features: | Hire purchase (HP) | Personal contract purchase (PCP) | Personal loan | |
|---|---|---|---|---|
| Requires initial deposit | Optional | Optional | ||
| Car is yours at the end of the agreement | Optional | |||
| Fixed monthly payments | ||||
| Avoid (final) balloon payment | ||||
| Avoid excess mileage charge | ||||
| Secured against an asset (e.g. a car) | ||||
| Support with vehicle issues | ||||
It’s easy to get started with Zuto. You can:
