Man driving car

Car Finance in London

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    No impact on your credit score
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    All credit histories considered

Zuto is a credit broker, not a lender. Our rates start from 10.6% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 20.9% the amount payable would be £208 a month, with a total cost of credit of £4,486 and a total amount payable of £12,486.

Applying for car Finance in London

If you live in and around London and you’re looking for a new car, Zuto can help. We can help find the right car for your needs and circumstances and arrange finance so you can spread the cost.

We work with trusted car dealers across the UK, more than 100 of which are in London and the surrounding area. We help hundreds of customers get car finance in London each month, and we could help you find your next car.

Why Zuto Should Be Your First Choice for Car Financing in London

We work with a large panel of lenders who specialise in car finance. When you apply we'll search our panel to find you the best available deal based on your personal circumstances. 

You can also search from over 40,000 used cars available in the UK through your My Zuto account area. 

How to find car finance with Zuto

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    Apply online

    Complete our easy-to-use online form to provide some information about yourself and the amount of finance you need. We’ll quickly review your application and get in touch with you to discuss your options.

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    Pick your car

    If you're interested in using finance to buy a car, you can look at the car dealerships we work with in London. Alternatively, you can look at what’s on offer from different dealerships. In both cases, we’ll run a full check on the car you decide to buy.

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    Buy your car

    Once we've done the required checks and you're satisfied with the finance plan, we'll take care of all the remaining admin. All you need to do is pick up the car, and we'll handle the payment to the dealer on your behalf.

Car finance calculator

See how much you could borrow

What cars are being financed in London?

When it comes to finding the perfect car, personal preferences, lifestyle requirements, and financial considerations play a crucial role. At Zuto, we’ve examined car financing patterns in London to offer valuable information about the most popular options and how much they could cost.

Here are some of the most popular cars currently being bought in London:

  • Ford Focus - From family road trips to the school run and daily commuting, the Ford Focus has become a favourite among drivers in Birmingham as an ideal all-rounder. Generally, you’ll be able to find used models at a local second-hand dealership for between £16,500-20,900. Find out more about Ford Focus finance.
  • Vauxhall Astra - The Vauxhall Astra has grown in popularity across Birmingham for its comfortable driving and affordability, with second hand models typically available for between £10,900-14,500. Find out more about applying for Vauxhall Astra finance with Zuto.
  • Vauxhall Corsa - The Vauxhall Corsa is a solid hatchback that’s both affordable to run and maintain, making it a popular family pick. Second-hand models are often available for around £9,000-13,000, or you can get electric car finance for around £23,000.
  • Volkswagen Golf - A reliable runner perfect for everything from the school run to business trips, the Volkswagen Golf has a spacious interior and comfortable driving experience. Golfs are typically available from second-hand dealers for between £11,000-22,000, or you can go hybrid for around £24,000-29,000.
  • Audi A3 - When buying an Audi A3, expect a powerful performance at an affordable rate. Packed with infotainment features, this car is also ideal for drivers interested in the latest tech. Second-hand A3s are often found for £19,100-26,000, while hybrid models are generally £30,000-34,000.

Tackling bad credit car finance in London

Are you a resident of London with a less-than-ideal credit history, but in need of financing for your next car? We may be able to help. We recognise that unexpected events can impact our credit scores, and we firmly believe that this should not restrict your access to car finance.

At Zuto, we have established partnerships with several lenders who specialise in helping car buyers in London who might have concerns about their credit ratings. Our lenders not only consider your past credit performance but also prioritise your current circumstances and ability to repay the loan.

If you have concerns about your credit history but still want to finance your next car, Zuto can potentially provide the help you need.

What areas do Zuto cover?

We work with car dealers and finance companies to help car buyers right across the UK, including Cardiff, Birmingham, Manchester, Liverpool, Glasgow, and more.

To see if we can help you find car finance, apply online today to get a decision within minutes.