I have to hold my hands up , I applied on line about a year ago and when I got called by zuto to clarify details I thought it's just a scam and wrote to complain as to why after filling in the online registration I then had to go over everything over the phone. However desperate in need of a car I applied again , got approved , found my own car , and everything went through within 3 days , quicker had there not been issues with paperwork . I take my hat off to zuti, they are great, they helped me ( I've got a low credit score but the deal I got over 4years ain't a rip off like other finance deals around for poor credit which surprised me ! All in all if I could buy these guys a drink I would . Thanks Oliver , Francesca and team .