Handing over car keys to new buyers

Car finance in Liverpool

Looking for car finance in Liverpool? Our application process is quick, simple and stress-free. Apply today with no impact on your credit score.

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 £7,500 over 48 months with a representative APR of 21.4% the amount payable would be £226 a month, with a total cost of credit of £3,369 and a total amount payable of £10,869.

Applying for car finance in Liverpool

Need car finance in Liverpool? You’ve come to the right place. At Zuto, we take the hassle out of finding the right deal and can let you know immediately if you’re eligible through a soft search that won’t show up on your credit file. We even offer bad credit car finance. Once that’s out of the way, we’ll be on hand to guide you through every step of the process.

The most popular cars in Liverpool

If you know the type of car you want to drive away in, perfect! However, if not, picked out the most popular makes and models according to other drivers in Liverpool.

Ford Focus

Practical and versatile, the Ford Focus is a popular favourite among drivers looking for an affordable car that’s suitable for everything from road trips to commuter journeys. Find a used Ford Focus for between £16,500-20,900.

Ford Fiesta

For solid performance, the Ford Fiesta is a popular all-rounder, with advanced features and a spacious interior. Generally speaking, you’ll be able to find a used Ford Fiesta from a local dealership for between £12,300-17,500.

Nissan Qashqai

The Nissan Qashqai is jam-packed with the latest infotainment technology and it’s economical for running around, making it a popular pick among families. Typically, you’ll find a Nissan Qashqai for between £11,500-18,000.

Vauxhall Astra

The Vauxhall Astra is popular for its affordability and low-maintenance, with the hatchback generally available for between £10,900 and £14,500. It’s our most popular car here at Zuto – if you’re after Vauxhall Astra finance then we can help.

Vauxhall Corsa

Comfortable to drive and affordable to run, the Vauxhall Corsa has become a favourite thanks to its versatility and practicality. You’ll typically find a Vauxhall Corsa for between £9,000-13,000, or £23,000 for an electric model.

Car dealers in Liverpool and Merseyside

We work with over 15 trusted car dealers across Liverpool and the surrounding Merseyside area, with more than 400 vehicles to choose from, so it’s likely we can help you find an affordable finance solution.

We’re able to offer local expertise and free background checks on all partnered dealerships and cars, no matter where you live in Liverpool. In fact, we help at least four customers in Merseyside find car finance every week, so get in touch to discuss your options today.

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Insuring your car in Liverpool

In the UK, car insurance is mandatory for all drivers, so it’s important to ensure you factor it into your driving budget.

Unfortunately, Liverpool has some of the highest car insurance rates in the UK, with premiums costing drivers an average £923 – this is significantly higher than the national average of £640, but still cheaper than neighbouring Manchester. In contrast, car insurance in the nearby Wirral is about on par with the national average, at £659.

Why is car insurance in Liverpool so high?

Car insurance for Merseyside drivers is among some of the highest in the country because of Liverpool’s higher-than-average rate of vehicle crime and history of accidents. Factors that also contribute to high car insurance premiums include age, annual mileage, and whether you have any points on your driving license.

How to reduce the cost of car insurance in Liverpool

The cost of car insurance can sometimes feel like its out of your hands, especially if high premiums are partly driven by where you live. However, there are some simple ways you can reduce the amount you need to pay, even if you live in an expensive postcode:

Increase your excess: if you’re involved in a car accident, the excess is the amount you’ll have to pay towards the claim – your insurance provider will cover the rest. Voluntarily raising your excess can help to reduce your annual premium.

Reduce annual mileage: the cost of your car insurance is based on the likelihood of you being involved in a claim. In theory, the longer you spend on the road, the greater your chance of experiencing an accident, so reducing your annual mileage should reduce your premium.

Build your no claims discount: each year you go without making an insurance claim, your provider will credit you with a year’s ‘no claims discount’. With each additional year, your discount will increase.

Date source: https://www.comparethemarket.com/car-insurance/content/car-insurance-premium-tool/

What to know about driving in Liverpool

Just like most other cities, Liverpool can suffer from congestion, especially during peak times. So, it can be useful to familiarise yourself with the area before venturing in. We’ve outlined other important things to bear in mind when driving in Liverpool.

  • Councillors in Liverpool are regularly discussing the potential introduction of a clean air charge in the city. This is something to be aware of if you’re buying a used car that might not qualify for an exemption.
  • There’s no free parking in Liverpool during the day, but there are affordable spaces throughout the city. The cheapest spots are found at Fort Knox, Naylor Street, Leeds Street, Kempston Street, and Lambert Street.
  • If you’d rather avoid city centre congestion and the potential stress of finding a parking space, Liverpool has a reliable public transport system that operates across Merseyside.

Why get car finance with Zuto?

Zuto makes finding car finance in Liverpool and Merseyside simple. When you apply, we take your needs, budget and situation into account, to offer personalised finance options and pull together the most suitable deals from across our panel of lenders. And at every stage, our friendly and experienced team are around to offer help and advice, answer your questions, and explain all the figures and terminology.

But that’s not all. Because we’re totally committed to getting Liverpool drivers on the road, we can help you find the car itself. From models fresh off the forecourt to sturdy and affordable second hand vehicles, our team connects with local dealerships to find you your perfect car from among the thousands in our database. If you haven’t got a model in mind, they can help you determine which vehicles suit your needs and budget best – simply get in touch to have a chat with one of our experts.