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No deposit car finance

You don't always need a deposit to get your perfect car on finance. We work with some lenders who don't require a deposit. Apply today to get on the road.

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.

For anyone looking at car finance, paying a deposit can be a great way of helping to secure approval from lenders, as well as making sure monthly repayments are low and manageable. But it’s not always easy saving up a deposit and taking the time to bring one together may simply not be an option.

If that’s the case for you, then Zuto should still be able to help. Many of the lenders we work with offer no deposit car finance to make sure drivers like you can get on the road as quickly as possible.

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Which cars are available for no deposit finance?

There are lots of cars available for no deposit finance. Whatever kind of car you’re looking for, from a family estate to a small city run-around, there should be a deal out there that suits your needs. You don’t need to know exactly which car you want right now, either. To help you find a lender from our panel who can help you get behind the wheel, we just need to know a few details. You can kick off your search with a call to our team, or by completing an application online today.

Once we’ve found a no deposit finance arrangement that works for you, if you haven’t already found a vehicle, Zuto can even help you find the right car. Whether you’ve got a particular model in mind or need to work around a tight budget, we’ll work through our panel of dealers with you and help you find a vehicle that’s a great fit.

How much can I borrow without a deposit?

In theory, there’s no set limit to how much you can borrow without a deposit. Each application is considered on its own merits, which means we’ll run a tailored search based on the amount you want to borrow to find lenders from our panel that can offer you the most favourable rates. Just apply online or get in touch and tell us your plans and we’ll share the best value car finance deals we have available with no deposit that we can find.

How does no deposit car finance work?

Some car finance lenders will ask for a deposit if the car is overpriced – in this scenario Zuto will run a free vehicle history and valuation check and let you know if the car you have seen is advertised at a fair price. You can also choose to pay a deposit to help keep your monthly repayments as low as possible. However, there are car finance options that require no deposit. Meaning you are looking to lend the full amount of the vehicle price. We have great relationships with our panel of lenders, you can feel confident that we’ll try to find you a great value deal for your situation.

What are the requirements for no-deposit car finance?

For more and more car finance deals, no deposit is needed these days, and this flexibility is based on a few simple requirements. Firstly, you need to be able to afford the monthly payments the lender is asking. By providing details of your income, this should give them the reassurance they need that you won’t have problems with the repayments throughout the length of the term. All the other requirements are very straightforward: you need to be over 18 and able to provide some basic personal details such as your identity and address. The lender may sometimes ask for more information but we will let you know if anything additional is required. Sounds simple? It really is. No deposit car finance is not nearly as complex as many people think. Just apply online or get in touch with our team to get the ball rolling.


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