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Pre-application Support

How much can I borrow and what will my monthly repayments be?

When you apply for car finance with Zuto, we’ll use your details to search our large panel of lenders to try and find you the best deal possible. Doing that won’t impact your credit score but what it allows the lender to do is a soft credit check. Lenders do this to decide how successful your car finance application would be without conducting a full, more detailed, assessment of your credit history.

So how much you can borrow will all depend on your personal circumstances but typically our lenders borrow anything from £2,000 to £50,000. And your monthly repayments will depend on your credit history and APR% the lender is willing to offer.

We understand some customers would like to borrow more than £50,000, if this is the case, we’d recommend you get in touch over the phone and we can see if there is anything we can do to help.

One other thing to consider is the vehicle you choose to finance. Depending on the age and condition of the vehicle some lenders may require you to put a deposit down which therefore means they will borrow less against the vehicle. If this is the case our car buying experts will explain everything to you and discuss your options in detail.

You can use our handy car finance calculator to work out how much you can borrow based on a few pieces of information such as your monthly budget, how long you’d like to pay the loan over, and what your credit rating is like. This information allows us to give you an estimation of loan amount but specific rates will depend on your personal circumstances which we tell you after you’ve applied.


At Zuto we search a large panel of lenders to find you the best deal we can based on your personal circumstances.

Written by

Mike Barlow

Content Manager

Mike has worked at Zuto since 2018 and uses his experience within the industry to help customers understand the ins and outs of car finance.

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