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Car finance in Birmingham

Looking for car finance in Birmingham? Apply today without impacting your credit score.

Zuto is a credit broker, not a lender. Our rates start from 7.9% 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.

Looking for car finance in Birmingham?

At Zuto, we make getting car finance as straightforward as possible, with a process that puts your needs and circumstances front and centre. Apply for car finance today and we can quickly let you know if you’re eligible through a ‘soft search’ that won’t appear on your credit profile.

From here, we get to work finding you the best deals from our panel of lenders. That means there’s something out there for you, even if you’re looking for bad credit car finance.

The most popular cars in Birmingham

If you know the type of car you want, perfect – apply for car finance now! If not, we’ve picked out some of the most popular cars according to other drivers in Birmingham.

Ford Focus

From family road trips to the school run and daily commuting, the Ford Focus has become a favourite among drivers in Birmingham as an ideal all-rounder. Generally, you’ll be able to find used models at a local second-hand dealership for between £16,500-20,900. Find out more about Ford Focus finance.

Vauxhall Astra

The Vauxhall Astra has grown in popularity across Birmingham for its comfortable driving and affordability, with second hand models typically available for between £10,900-14,500. Find out more about applying for Vauxhall Astra finance with Zuto.

Vauxhall Corsa

The Vauxhall Corsa is a solid hatchback that’s both affordable to run and maintain, making it a popular family pick. Second-hand models are often available for around £9,000-13,000, or you can get electric car finance for around £23,000.

Volkswagen Golf

A reliable runner perfect for everything from the school run to business trips, the Volkswagen Golf has a spacious interior and comfortable driving experience. Golfs are typically available from second-hand dealers for between £11,000-22,000, or you can go hybrid for around £24,000-29,000.

Audi A3

When buying an Audi A3, expect a powerful performance at an affordable rate. Packed with infotainment features, this car is also ideal for drivers interested in the latest tech. Second-hand A3s are often found for £19,100-26,000, while hybrid models are generally £30,000-34,000.

Car dealers in Birmingham

We work with many car dealers in Birmingham and the surrounding West Midlands area, with a wide selection of vehicles to choose from.

We’re able to offer unmatched local expertise and free background checks on all partnered dealers and vehicles, to help you find your perfect new or used car. If you’re approved for car finance in Birmingham, you’ll be able to filter for vehicles available near you. Get in touch today to discuss your options.

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Insuring your car in Birmingham

When buying a car, there are additional necessary costs to consider on top of your finance payments. One of these is car insurance.

Unfortunately, Birmingham has some of the highest car insurance rates in the UK*, with some customers paying over £1,000 per year. This is around 50% higher than the UK average of £640.

As well as Birmingham city centre, other areas across the West Midlands with above-average premiums include Wolverhampton (£828), Walsall (£834), Coventry (£860), Solihull (£707), and Dudley (£680).

Why is car insurance in Birmingham so high?

There are a combination of factors contributing to car insurance in Birmingham being above the national average, including a high rate of claims and vehicle crime. Other factors that can influence individual quotes include age, annual mileage on your vehicle, and whether you have any points on your driving license.

How to reduce the cost of car insurance

The cost of your car insurance can sometimes feel beyond control, especially if you live in a high-rate Birmingham postcode. However, there are some simple steps you can follow to reduce your own car insurance premium:

Increasing your excess: when you make a claim, your excess refers to the amount you’re liable to pay. Voluntarily increasing your excess can help to drive down your car insurance quote.

Reduce your annual mileage: your car insurance quote is determined by the chance of you being involved in a car accident and making a claim. In theory, the more time you spend on the road, the more likely this is. So, reducing your annual mileage can result in a lower quote.

Build up your no claims discount: if you don’t have a history of claiming, you will be rewarded with something called a ‘no claims discount’. Generally, you’ll accrue one year’s discount for each year you go without making a claim, which should reduce the cost of your car insurance quote. 

*data taken from https://www.comparethemarket.com/car-insurance/content/car-insurance-premium-tool/ 

What to know about driving in Birmingham

Lots of drivers consider Birmingham to be among the most difficult UK cities to drive in, thanks to heavy congestion and confusing navigation. With this in mind, it’s well-worth making yourself aware of any particularly busy areas before heading into the city. Other things to be aware of when driving in Birmingham include:

  • 'Spaghetti Junction’ is a complex, five-level intersection where junction 6 of the M6 meets the A38(M) Aston Expressway. If you’re unfamiliar with motorway driving around Birmingham, it can be helpful to familiarise yourself with the correct exits.
  • Birmingham has a clean air zone that covers the city centre and all roads within the A4540 Middleway Ring Road (not including the Ring Road itself). Before buying a used car, research the criteria and whether you’re likely to be liable for any charges.
  • Birmingham is among the most expensive UK cities to park. However, you’ll find the city’s cheapest parking on Saint George’s Street, Mott Street, Buckingham Street, Hampton Street, and Cliveland Street – all come in at £3.00 or less for full day parking. Meanwhile, the most expensive spots (and potential areas to avoid) can be found at Somerset House Garage, Londonderry House, Royal Angus, New Street, and St Judes Passage.

Why choose Zuto?

At Zuto, we take the hassle out of finding car finance in Birmingham try to find you the best deals based on your personal circumstances. Our team are around to offer help and advice about anything you’re not sure about, as well as offering local expertise. So get in touch today to start your car finance journey!