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Used car finance

Apply for car finance today without impacting your credit score and get a lending decision within minutes.

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.

If you’re looking to buy a used car and want a way to spread your payments, there are lots of used car finance options available to you.

Whether you’ve found the car you want, or you’ve just begun your search, we aim to find car finance deals that suit your circumstances. We can even help you find the right used car with over 30,000 available through trusted dealers. We also do a full history and valuation check on any car you choose, to make sure your new vehicle hasn’t been written off, stolen or has any outstanding finance on.

How can Zuto help me get a used car on finance?

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    Trusted by over 3.7m UK car buyers for a quote

    At Zuto we have been helping customers get used car finance for over 10 years. 80% of the UK now use car finance to get the car they want, without the big upfront payment. 

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    Find a used car you can trust

    We verify all of the dealers we work with so you can drive away in a quality used car you can trust. We even carry out a free valuation and history check on as many used cars as you like. 

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    Get a personalised quote on any used car

    You don't need a deposit to get a used car finance deal. Once you've seen a car you like the look of, ask our car buying experts for a quote, more information or to set up a test drive. 

Car finance calculator

See how much you could borrow

What used cars can I finance using Zuto?

Zuto have over 30,000 used cars available with our verified dealers. You'll have the choice from Audi, Volkswagen, Mercedes, Ford and many more.

Whether you're looking for a small hatchback, 4x4, or just something for the weekend, when you apply with Zuto you'll have access to thousands of used cars with our verified dealers.

used cars on finance with zuto

What happens after I apply for used car finance with Zuto?

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    Get pre-approved with one of our lenders

    Once you apply for car finance with Zuto, we will search our large panel of lenders to try and find you the best deal possible. 

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    Search for a quality used car you love

    After you've been approved with one of our lenders, you will be able to search our marketplace of over 30,000 used cars to find the one you love. 

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    Upload a few documents and drive away

    Once you've found the car you love, you'll just need to upload a few documents that our lenders require and then you'll be able to arrange collection of the vehicle and drive away. 


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Frequently Asked Questions

Common used car finance questions

Do I need a deposit to get a used car on finance?

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Not necessarily. We understand that some people either can't afford a deposit, or would just prefer not to put a lump sum down initially and this is absolutely fine. We work with lots of lenders who offer no deposit car finance. A decision on whether you need a deposit or not would depend on your personal circumstances and is something we can discuss with you once you've applied. 

Does applying for car finance affect my credit score?

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When we search for car finance options for you, our lenders will initially perform a soft search on your credit file. A soft search enables the lender to carry out an initial assessment on your credit file without impacting your credit score

Once you're happy with the finance offer, the lender will then perform a full credit search, which will be noted on your credit history and can affect your credit profile. We will gain your consent before this happens.


What mileage restrictions are allowed with used cars?

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This all depends on the type of finance you decide to go ahead with. Our most popular finance option is a Hire Purchase (HP) agreement which don't have any mileage restrictions. 

The other type of finance is a Personal Contract Purchase (PCP) which typically come with mileage restrictions attached. For example, your agreement could be 8,000 miles per year and if you go over 8,000 you will need to pay a penalty for every mile you go over. 

It's also worth noting that some of our lenders set maximum mileage amounts on a used car you wish to finance. For example, the used car you want to finance can't have over 100,000 miles at the time of financing. These requirements differ by lender and is something we can discuss with you after applying and being approved.

What does a verified dealer mean?

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You might be wondering what we mean by ‘verified dealers’. Simply, Zuto will only work with dealers that deliver a great service that we believe our customers deserve. This is something we verify and pride ourselves on. This means a number of checks are done before working with a dealer to ensure our customers are protected. 

What car finance option is right for me?

Hire Purchase (HP)

Hire purchase (HP) is our most common form of finance at Zuto and has benefits such as, no mileage restrictions and no lump sum payment at the end of the agreement. Hire Purchase means you ‘hire’ the car from the finance company, until it’s completely paid off. You won’t officially own the car until the finance agreement is paid in full.

Hire purchase car finance

Personal Contract Purchase (PCP)

Just like a Hire Purchase agreement, Personal Contract Purchase (also known as PCP) gives you the option to pay an initial up-front deposit, which is followed by regular monthly payments - the bigger deposit you put down the lower the monthly payments will be. Unlike HP, when your monthly repayments are finished, you won't own the vehicle at that point. Instead you will have the option to either pay a lump sum to own it, hand the car back, or exchange it for a new one and use any equity to go towards the payment.

PCP car finance

Used car finance with Zuto

We compare so you can spend time finding the right used car 

As a credit broker, we work with a large panel of lenders, such as, Paragon, Startline, Blue and Moneybarn to compare car finance arrangements to find the best possible deal for you and your personal circumstances. 

We recognise no two customers are the same and will work with you to find the perfect finance agreement for your individual circumstances and finance needs. 

It's completely free to use Zuto. 

Some of Zutos trusted lenders

Zuto is a credit broker, not a lender. Our rates start from 9.0% 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.