Couple checking on laptop if they're eligible for car finance

Car finance eligibility checker

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    Get an online decision in minutes
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    No impact on your credit score
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    Find out how much you can 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 £7,000 over 48 months with a representative APR of 19.3%, the amount payable would be £205 a month, with a total cost of credit of £2,831 and a total amount payable of £9,831.

Find out if you’re eligible for car finance

It takes just minutes to use Zuto’s car finance eligibility checker. All you need to do is apply for a quote and we’ll let you know if you’re eligible and, if you are, how much you should be able to borrow.

Car finance calculator

See how much you could borrow

How applying with Zuto works

At Zuto, we like to make the process quick and simple. We’re a broker, so when you apply for finance with us, we’ll search our large panel of lenders and find the best deal possible.

  • Apply for a quote – we’ll need a few details, such as the type of vehicle you’re looking for, how much you’d like to borrow and some basic personal details.
  • We’ll check with our lenders – we’ll then run your details past our large panel of lenders. Our soft credit check won’t impact your credit score.
  • If you’re eligible, take your pick – if you are eligible, your car buying expert will chat you through your quotes and advise on the best option available. Once you’ve chosen to proceed, a hard search will be done, but we’ll let you know of this before it happens.

Will I be eligible for car finance?

Zuto know there can be potential concerns when it comes to getting car finance.

These can include:

  • Negative equity – this is when the amount you’re paying for your car is more than it’s worth. This can be a challenge if you want to trade in your car for a different one.
  • Bad credit – a poor credit rating can make getting finance harder, but we often help customers with poor and bad credit.
  • No deposit – deposits can help get an approval for car finance, but they’re not always necessary and we work with lenders who offer no deposit car finance.

We work with our panel of lenders to find the best deal for everyone, whatever their circumstances. Please contact us if you are concerned about having any of the above.

Find out how much you can borrow and how much it costs to run a car.

What’s the difference between a soft credit search and a hard credit search?

Both checks are needed to be accepted for car finance but only one affects your credit score. So it’s important to know the difference between the two.

  • Soft credit search – this check is done first because it doesn’t affect your credit score. There’s no limit to how many you can have, and they don’t show up when lenders view your credit profile.
  • Hard credit search – these searches are visible to lenders which is why we advise not to make too many hard searches in close proximity to each other. We make sure you are happy to proceed before running hard checks – required to get a finance agreement – as they stay on your credit report for 12 months.

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