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 19.9%, the amount payable would be £192 a month, with a total cost of credit of £2,712 and a total amount payable of £9,212.
Running your own business can be very rewarding, giving you the freedom to work your own hours and expand your career on your own terms. When you’re self-employed you can sometimes encounter financial challenges, but if you’re a freelancer or self-employed, car finance can be simple.
We work with a trusted panel of lenders who understand, and offer specific products, which meet the unique considerations of self-employed work or running your own business.
Finding the right car finance might even be an essential part of growing your business, so Zuto is here to help you get it right. We’ll do our best to find you a car finance deal that suits your working situation and personal circumstances.
There’s the same variety of car finance options for self-employed people as anyone else. The three main types are:
Your car finance quotes and eventual agreement will be based on numerous factors. Today, lenders understand there are many different ways of proving your earnings.
Proving your income can be challenging for people who are self-employed, so we have more details below.
There are several different kinds of self-employed status, and which is the best way to prove your earnings may differ depending on which category you fall into. We may require:
We have over 15 years’ experience in helping people who are self-employed get car finance. Once we know more about your situation and the kind of deal you’re looking for, we’ll be able to advise you about the proof of earnings you’ll need to provide.
Simply, no – applying for car finance quotes won’t affect your credit score.
A ‘hard’ credit search will only be carried out with your consent, and only if you’re approved and have decided to proceed with your car finance offer.
Bad credit shouldn’t stop you from finding self-employed car finance.
We work with a panel of lenders who are used to helping drivers with poor or bad credit ratings, whether that’s because of a short history – such as for young drivers – or measures including county court judgements (CCJs).
If you have a bad credit score, there are some things to think about:
Whatever your situation, the Zuto team have lots of experience in finding car finance for self-employed people, or those with bad credit. Just get in touch and we’ll see how we can help.
Get to grips with the most popular car finance options and find the right one for you.
No matter your credit score, we can help you find a car finance agreement that works for you.
Our team understands the complexities of being self-employed and are on hand to help you.