Why choose Zuto for car finance?

Apply 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 9.9% 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.

shaking hand after new car finance deal

Car finance is a way for you to buy a new or used car by spreading the cost over a period of months. So, instead of having to pay everything upfront, you can split the cost into manageable amounts that are paid in regular monthly instalments.

At Zuto, we like to make car finance simple. By searching our large panel of lenders, with over 85 products available, we do all the hard work for you.

Not all finance companies require a deposit when purchasing a car. We compare different rates and arrangements with our Lenders to find a car loan for you.

Whether your credit history is poor or excellent, we'll do our best to find you a suitable finance option and get you in your new car in no time at all. Apply today, without impacting your credit score, to see if you’re eligible.

Getting car finance with Zuto is simple

  1. Apply with no impact on your credit score and get a lending decision today!

  2. We compare our panel of lenders, so you get a finance option that suits you.

  3. Search and test drive thousands of cars from our verified dealers.

  4. Complete all the required documents and get the keys to your new car...

Frequently Asked Questions

Common car finance questions

Can I get car finance if I have a poor credit history?

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Having less than ideal credit history doesn’t necessarily mean lenders will turn you away for car finance, although you may not get the lowest possible interest rates. If you think you have poor credit history, or aren’t sure, just get in touch. We’ve got experience helping people with all kinds of credit get car loans, and once we know your situation, we can find a deal for you.

 

Does applying for car finance affect my credit score?

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When we search for car finance options for you, we’ll perform a soft search on your credit file. A soft search enables us to carry out  an initial assessment on your credit file without impacting your credit score. This is so we can try and match you with the most appropriate lender and best option available from our lending panel.

We’ll then contact the lender we think can offer the best finance option for your circumstances. They may choose to 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.

If you’re worried about getting credit, we’d recommend you have a look at your credit report before applying and see if there are any changes you can make to improve your credit score.

What cars can I get on Finance?

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Whether you’re looking for your first run-around, a family-sized upgrade, something sporty or a long-distance workhorse we can help you. We’ll talk you through the criteria from our lenders and help find the most suitable option for you.

What documents you need to finance a car?

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The documents you need to finance a car can vary from lender to lender, but there are a few things that pretty much all car financing companies will want to see.  Any lender will want you to be able to prove that the personal details you’ve supplied are accurate. You can expect to need to provide a photo or scan of your driving licence. They will also want to know that you can afford the payments, so we may need to see payslips or other proof of income. As soon as we’ve found the right lender for you, from our panel, we’ll let you know what’s required.

Car finance calculator

See how much you could 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 £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.

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Discover more about car finance types

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.

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, following by a set number of payments per month. And like HP, the bigger the deposit the smaller those monthly payments will be.

Personal loan

A personal loan is the only kind of finance which is not secured against the vehicle. This means you own the car from day one. You will receive a lump sum from the lender, which you pay off over a set period  of time,  these kinds of loans are not secured against anything (that’s why they’re sometimes called unsecured loans).