Car finance

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    Apply with no impact on your credit score
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    Get a finance decision within minutes

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.

Why choose car finance?

Car finance is a common and popular way to spread the cost of buying a vehicle, and you can arrange it for both new and used cars. Having car finance means that instead of paying everything upfront, you can divide the cost into monthly instalments that are much more manageable.

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.

Some lenders we work with offer no deposit car finance. 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.

Understanding car finance

We understand that car finance can be a little daunting, with so many options available and different products to choose from. 

We've created a guide to help you understand popular car finance options such as hire purchase, PCP finance and personal loans. 

Whichever car finance option you choose, we are here to help. We work with a large number of lenders, comparing a number of products, to find you the best deal based on your personal circumstances.

Car finance calculator

See how much you could borrow

Frequently Asked Questions

Common car finance questions

What vehicles can I finance?

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We work with a large panel of lenders who will finance cars, vans, motorbikes, caravans and taxis. 

We know some customers have already found their perfect vehicle but if you're still looking, we can help with that too. After you apply you'll have access to thousands of vehicles that are stocked with our approved dealers. 

What documents do you need to finance a car?

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Exactly what documentation is required to finance a car can vary between lenders. But as a minimum, you can expect lenders to ask for proof that your personal details are accurate, possibly in the form of a utility or phone bill. You’ll also need to provide a photograph or scan of your drivers licence, along with some proof of your income such as a payslip. That’s because they need to see that you can keep up with your monthly payments. If a lender requires anything extra we’ll explain this to you.

Once we’ve found you the right lender and deal from our panel, we’ll be in touch to explain exactly what documentation you need to provide.

Can I get car finance with poor credit?

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Yes, just because your credit history isn’t perfect doesn’t mean lenders will turn you away. At Zuto we work with a panel of lenders, some of whom specialise in bad credit car finance, so we’re confident we can find a deal for most drivers. Just get in touch today and we’ll see what we can do for you.

Does applying for car finance affect my credit score?

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When you apply with Zuto, we run an initial assessment of your credit file and check this against our lenders’ criteria to see if you’re going to be eligible. This is what’s known as a ‘soft search’, and it won’t appear on your records or impact your credit score in any way.

Once we’ve finished searching and put some of the best deals available to you, which you choose to apply for (if at all) is in your hands. Once the application’s made and you’ve consented, the lender may choose to perform a full credit search, and this will be noted on your credit history. But this never happens without your consent.

Discover more about car finance types

Finance features: Hire purchase (HP) Personal contract purchase (PCP) Personal loan
Requires initial deposit Optional Optional
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Car is yours at the end of the agreement
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Fixed monthly payments
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Avoid (final) balloon payment
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Avoid excess mileage charge
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Secured against an asset (e.g. a car)
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Support with vehicle issues
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