Apply with no impact on your credit score and get an online decision today!
We compare our panel of lenders, so you get a finance option that suits you.
Search thousands of cars across the UK from our verified dealers.
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 9.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £7,000 over 48 months with a representative APR of 19.3%, the amount payable would be £205 a month, with a total cost of credit of £2,831 and a total amount payable of £9,831.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.