How Zuto works

Here's how we make getting car finance easy and stress-free.

Finance your next car in 4 simple steps

  1. Apply with no impact on your credit score and get an online decision today!

  2. We compare our panel of lenders, so you get a finance option that suits you.

  3. Search thousands of cars across the UK from our verified dealers.

  4. Complete all the required documents and get the keys to your new car...

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 only takes a couple of minutes...

We need to know a bit about you so we can process your application against our lenders criteria, so you’re sure to get the right finance option.

What you’ll need to know during your application:

  • Monthly income after tax
  • 3 years address history
  • Your employment information
applying for car finance on mobile

You relax, we’ll find your available options

Once we have found lenders that match your circumstances, we'll have a lending decision for you. Your Car buying expert will give you a call to discuss your quote and tell you how much you can borrow.

car finance options

We verify our dealers so you get a car you can trust

Browse thousands of cars, add the ones you like to your favourites and enquire about vehicles in your account area ‘My Zuto’. We’ll provide a free valuation and vehicle history check on any car from our panel of approved dealers.

car keys handing over

Putting you in the driving seat

We’re here to save you time and money - we’ll help you with the paperwork and negotiations with the dealer. This way, you can drive away in your new car faster.

Trustpilot review in image

Why choose Zuto?

  • cms-tick

    Get answers fast

    We believe that financing a car should be simple. We’ll help you with  the paperwork, jargon and small print so all our customers need to worry about is finding a car they love.

  • cms-tick

    Expert advice

    We know car buying can be scary, we’ll help you make the right choice. We offer impartial advice while we check the vehicle history and valuation, without charging a penny.

  • cms-tick

    It’s free!

    We never add hidden costs and we're completely transparent with all figures. This means you can make an informed choice with no nasty surprises.

Frequently Asked Questions

Can we help at all?

What cars can I get and how much can I borrow if I use Zuto?

Down arrow

Whether you’re looking for your first run-around, a family-sized upgrade, something sporty or a reliable car for long-distances we can help you. You just need to meet our lenders specific criteria which one of our car buying experts will take you through when we speak to you.

The amount you can borrow will depend on your personal circumstances.

Do Zuto charge me any fees?

Down arrow

We will not charge the customer any fees for using our service.

Zuto is a broker, not a lender, so any charges we incur are covered by the fees we receive from the lenders for arranging your car finance with them. This means Zuto will not charge any fees for checking vehicle history or helping arrange finance.

In some cases, car dealers or lenders may charge an administration fee, but if this is the case, we’ll let you know.

What documents do I need to supply to Zuto?

Down arrow

The documents you need to finance a car can vary from lender to lender, but there are a few things that pretty much all car financing companies will want to see.  Any lender will want you to be able to prove that the personal details you’ve supplied are accurate. You can expect to need one of the most universal forms of ID such as your driving licence. They will also want to know that you can afford the payments, so we may want to see payslips or other proof of income. As soon as we’ve found the right lender for you, from our panel,  we’ll let you know what is required.

Where can I get a car through Zuto?

Down arrow

You can search through thousands of cars in My Zuto from verified dealers up and down the country. When you find any you like, you can add it to a shortlist and get a finance quote for that car specifically.