What interest rates do Zuto charge?

Because we help customers in various financial situations, we offer access to a wide range of interest rates which is dependent on an individual’s personal circumstances.

We offer access to car financing products from as low as 9.9% APR but also offer bad credit car finance where rates start from representative rate of 19% APR. 

If you have a good idea of your credit rating, use our car finance calculator and select the credit rating that matches your own credit profile the best to determine what your APR could be. The APR we can offer you will depend on your individual circumstances.

What do you mean by individual circumstances?

When applying for car finance, we will ask you various questions, such as how much you’d like to borrow, your salary and residential status. Our lenders will then use that information to match your profile with one of their credit reference agencies to determine whether you can pay back the amount you’d like to borrow. Every application we receive will be different in some way and any decision, and interest rates offered, are always dependent on the individual’s personal circumstances and likelihood to repay the borrowed amount.

Ryan has worked at Zuto for a number of years and uses his experience within the industry to help customers understand the ins and outs of car finance.