Car Finance Calculator

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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.

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.
Why finance a car with Zuto?

Trusted by over 3.6m customers, we have 15+ years experience in car finance and buying support.

We help people whatever their credit rating and will provide a free history and valuation check on any vehicle you’re looking at. This way you’ll know that the car details are genuine and if it’s reasonably priced too.

We don’t charge any fees to use our service.

What cars can I buy on finance from Zuto?

Our panel of lenders will finance cars, motorcycles, vans and touring caravans. If you don't have a car in mind, but you've already been pre-approved for finance, you can use the stock search tool in your online account area - My Zuto. This allows you to search for cars that you think you might like to buy from any reputable dealer. When you find something, you can add it to your Shortlist and we'll carry out the vehicle checks and provide a finance quote specifically for that car. Again, you can also give one of our car buying experts a call on 01625 619 944.

What is car finance?

Car finance is way for you 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 amount that are paid in regular monthly instalments.

There are four main types of Car finance available through Zuto, the most popular of which is Hire Purchase, or HP as it's more commonly known. The other financing options are Personal Contract Purchase or PCP, Conditional Sales and personal loans.

Another term you may see when you start to see when you look at buying a car is leasing. However, Zuto does not offer this option. If you see the term 'guaranteed finance', its important to remember that no one can guarantee your application will be successful until they have taken your personal details, noted which car you want and checked your credit file. All of these things will make a difference to your likelihood of being accepted or not. So when you see the words 'guaranteed finance', it's usually a good reason to be cautious.

How does Zuto car finance work?

1. Apply Online: Answer a few questions and we'll match you to one of our lenders

2. Find or add a car you want to finance: Search online or tell us about a car you've found

3. Sign the paperwork: Securely upload your paperwork and documents online

4. Pick up your new car: We'll arrange everything with the dealer for you

Can I get car finance if I have bad credit?

Yes, we can help people with a less-than-perfect credit history. You may find that you're not offered the great rates that someone with excellent credit history might get, but we may still be able to help you find a finance option to suit your circumstances.