Handing over car keys to new owner

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 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £9,000 over 60 months with a representative APR of 20.9% the amount payable would be £234 a month, with a total cost of credit of £5,047 and a total amount payable of £14,047.

Applying for car Finance in Birmingham

Zuto specialises in providing car finance solutions for residents in Birmingham. With Zuto, car finance is made simple and we can help you find car finance whether you’re situated in the city centre or anywhere in the West Midlands.

We have established partnerships with reliable car dealers across the UK, including dozens across Birmingham and the West Midlands. Every month, we help hundreds of customers to secure car finance, and we’re here to assist you in finding your next car.

How to find car finance with Zuto

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    Apply online

    Fill out our simple online application to let us know a little about yourself and how much money you want to borrow. We'll quickly review your application and one of our team members will contact you to explain your choices.

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    Pick your car

    If you want to buy a car on finance, you can browse our network of car dealers around Birmingham or see what’s on offer from other dealerships. Either way, we can run a complete check on the vehicle you choose.

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    Drive away

    After we finish all the necessary checks and you’re happy with the finance arrangement, we'll handle everything to make it really easy for you to buy your new car. All you have to do is get the car, and we'll take care of paying the dealer for you.

What cars are being financed in Birmingham?

When it comes to finding your next car, personal preferences, lifestyle requirements, and how much you can afford to pay play a crucial role. At Zuto, we’ve looked into car financing patterns to offer up some valuable information about the popular options and their estimated financing amounts.

Here are some of the most popular cars currently being bought in Birmingham and the West Midlands:

  • 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.
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Tackling bad credit car finance in Birmingham

If you live in Birmingham and have a credit history that’s less than perfect, we can help you finance your next car. We know that life can sometimes throw up unexpected challenges that impact our credit scores, and we firmly believe that this shouldn’t restrict your access to car finance.

At Zuto, we work with several lenders who specialise in offering solutions specifically tailored to individuals seeking car finance in Birmingham, even if they have concerns about their credit ratings. In addition to evaluating your past credit performance, our group of lenders also takes into consideration your present circumstances and ability to repay the loan.

What areas do Zuto cover?

We work with car dealers and finance companies to help car buyers right across the UK, including Cardiff, London, Manchester, Liverpool, Glasgow, and more.

To see if we can help you find car finance, apply online today to get a decision within minutes.