Man test driving his new car

Car finance in Cardiff

Looking for a car loan in Cardiff? Apply today for a decision in minutes with no impact on your credit score.

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 for car Finance in Cardiff

At Zuto, we can arrange car finance for customers across Cardiff. Whether you need a city run around or motorway workhorse, the team at Zuto can help you arrange finance and spread the cost of buying a new car.

We work with trusted car dealers across the UK, many of which are in Cardiff and the surrounding area, and we’ve helped hundreds of car buyers in Cardiff. Car finance is made simple with Zuto. Let us help you find your next car.

Why Zuto Should Be Your First Choice for Car Financing in Cardiff

With over 15 years experience in car finance, we work with a large number of lenders to help you find the best deal based on your personal circumstances. 

We work with a network of trusted dealers across the UK and once you've applied online, you will get access to your My Zuto account area where you'll be able to search from over 40,000 vehicles. 

How to find car finance with Zuto

  • cms-tick

    Apply online

    Just fill out our simple online form with some details about yourself and how much you want to spend on a car. We'll take a quick look at your application and contact you soon to talk about the different finance choices you have.

  • cms-tick

    Choose your car

    If you want to use finance to buy a car, we partner with many car dealerships in Cardiff. You can check out the ones we work with or consider other dealerships as well. In any case, we’ll run a full check on the car you choose to buy.

  • cms-tick

    Drive away

    Once we've made sure everything is good to go and you're happy with the finance plan, we'll handle all the necessary steps 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 Cardiff?

When deciding on your next car, you need to factor in your personal preference and budget, as well as your lifestyle and current circumstances. You might even need to consider what things will look like in a year or two.

It’s also worth taking note of what makes and models are popular with car buyers in Cardiff.  Here at Zuto, we've analysed car financing trends in your area to outline the most popular choices and how much they’ll cost when you buy on finance.

Here are some of the most popular cars currently being bought in Cardiff:

  • Ford Fiesta - Drivers in Cardiff have long-favoured the classic Ford Fiesta as a good all-rounder with solid performance, and high-tech features. You should be able to find this reliable family car for between £12,300-17,500.
  • Volkswagen Golf - The Volkswagen Golf has long been a reliable runner, with a spacious interior, roomy boot, and comfortable driving experience. Expect a powerful performance at an affordable rate, with used Golfs typically coming in between £11,000-22,000, depending on age and mileage – or pick out a second-hand hybrid for £24,000-29,000.
  • Vauxhall Insignia - Packed with the latest tech, the Vauxhall Insignia is the ideal hatchback for both business and family time. It’s quickly become a favourite among drivers in Cardiff, with second-hand models generally coming in at around £6,000-14,000.
  • Nissan Qashqai - Drivers love the Nissan Qashqai for its smooth driving experience and tech-dominant infotainment system, jam-packed with all the latest features. This family favourite is generally sold at second-hand dealerships for between £11,500-18,000.
  • Vauxhall Astra - Popular among Cardiff drivers, the Vauxhall Astra is a comfortable hatchback that’s both affordable to run and maintain. Most dealerships will sell used Vauxhall Astras for between £10,900-14,500. Find out more about applying for Vauxhall Astra finance with Zuto.
  • Ford Focus - Practical and versatile, the Ford Focus is ideal for everything ranging from the school run to holiday road trips. Generally, you’ll be able to find a second-hand Ford Focus for around £16,500-20,900. For more information, find out how you can finance a Ford Focus with Zuto.
  • Audi A3 - Powerful yet affordable, the Audi A3 offers luxury driving without extreme running costs. Ideal for drivers looking for the latest features, you’ll likely find a second-hand A3 for £19,100-26,000 – or drive away in a hybrid for £30,000-34,000.
  • Kia Sportage - A reliable favourite with all the latest driver technology and infotainment, it’s little surprise that the Kia Sportage has become such a popular model. The typical price for a second-hand Sportage is between £14,300-20,700, while hybrid models will come in a little more at £23,700-27,000.
Car finance calculator

See how much you could borrow

Tackling bad credit car finance in Cardiff

If you live in Cardiff and have a less than perfect credit history, we don’t think this should get in the way of you buying a new car. We understand that there are many reasons why your credit score may have been negatively affected and we believe that it shouldn't limit your access to car finance.

At Zuto, we work with a range of lenders, including specialists in car finance for those who are concerned about their credit score. We not only consider your credit history, but we balance our decision with information on your current circumstances and ability to repay the money you’ve borrowed.

What areas do Zuto cover?

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

Apply for car finance online today and get a decision within minutes.