Two BrothersVolkswagen Car Side View

VW finance made simple.

  • No broker fees
  • Free car history and value check
  • Buy any VW from any dealer
Start your application

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 £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.


1. Apply online

Tell us about yourself and how much you’re looking to borrow. You’ll get a quick decision and one of our Car Buying Experts will be in touch.

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2. Buy with confidence

Whether you’ve found your car or want some help in the search, we run a free vehicle and history check on anything you’re looking at.

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3. Get on the road

Once the lender has done their final checks and if you can proceed, we’ll pay the dealer so all you need to do is pick up the car.

ApprovedWorking with trusted lenders for 10 years+
ApprovedFree vehicle history check
ApprovedVehicle support after purchase

VW finance calculator

See how much you could borrow

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 £5,500 over 48 months with a representative APR of 19.8%, the amount payable would be £163 a month, with a total cost of credit of £2,283 and a total amount payable of £7,783.

volkswagen logo

VW finance explained

Whether you’re looking for the practicality of the Polo, understated elegance of the Golf or a bigger model like the Passat or even a Touran, Zuto’s Volkswagen car finance will try and find the right finance option for you.

We believe that buying a car should be simple; we like to remove the hassle that comes with paperwork and make the jargon and small print easy to understand, so all you need to worry about is finding the car you love.

volkswagen car with model

How does VW finance work?

By making a no-obligation application to Zuto, we’ll search over 70 products from 17 lenders, to try and match you to the right deal.

We’ll let you know if you’re pre-approved for finance and help in the search for your new car, ensuring it matches your budget and the lender’s criteria.

If you’ve already been on the look-out and have a car in mind, simply let us know.

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Why finance a VW with Zuto?

Trusted by over 1.8m customers, we have 10 years+ experience in car finance and buying support.

We help people whatever their credit rating and will provide a free history and valuation check on any vehicle you’re looking at. This way you’ll know that the car details are genuine and if it’s reasonably priced too.

Zuto’s services are completely free of charge to the customer.


Our customers love us


Said the application process was clearly explained to them


Happy customers have used Zuto


Zuto customers would recommend us

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Customers surveyed from 1st Sept 2016 to 28th Feb 2017


Based on 1,180 reviews Feb 2017


Best Car Finance Broker Credit Awards 2016

Frequently asked questions

Our experts have the answers

What is car finance?

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Car finance is a way for you to buy a new or used car by spreading the cost over a period of months. So, instead of having to pay everything upfront, you can split the cost into manageable amounts that are paid in regular monthly instalments.

There are four main types of car finance available through Zuto, the most popular of which is Hire Purchase, or HP as it’s more commonly known. The other financing options are Personal Contract Purchase (PCP), Conditional Sale and Personal Loans.

Another term you may see when you start to look at buying a car is Car Leasing. However, Zuto doesn’t offer this option.

If you see the term 'guaranteed finance', it’s important to remember that no one can guarantee your application will be successful until they’ve taken your personal details, noted which car you want and checked your credit file. All of these things will make a difference to your likelihood of being accepted or not, so when you see the words ‘guaranteed finance’, it’s usually a good reason to be cautious.

Why come to Zuto for vehicle finance?

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The traditional way of arranging car finance is to take out a finance plan from the dealer when you buy the car. But if you sort things out with Zuto before you get that far, you give yourself three big advantages:

  • You know exactly what you can afford before you get to the dealer - you’re negotiating from a position of strength
  • You’ve had the chance to make sure you’ve got a deal that’s right for you. Dealers usually offer only a limited number of deals from one finance provider
  • You save time. We can deliver a lending decision quickly, often within seconds of submitting your application. Then we can help you with the admin, paperwork and negotiations with the dealer. That way, you can drive straight off in your new car rather than spending hours in the dealer’s office

Can I get car finance if I have bad credit?

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Yes, we can help people with a less-than-perfect credit history. You may find that you’re not offered the great rates that someone with excellent credit history might get, but we may still be able to help you find a finance option to suit your circumstances.

Why don't Zuto charge any fees?

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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 we can offer our services to you totally free of charge.

What vehicles can I buy with car finance from Zuto?

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Our panel of lenders will finance cars, motorcycles, vans and touring caravans.

We can also provide finance for more specialist vehicles, so whatever you’re thinking of buying, give us a call on 01625 619 944.

If you don’t have a car in mind, but you’ve already been pre-approved for finance, you can use the stock search tool in your online account area - My Zuto. This allows you to search for cars that you think you might like to buy from any reputable dealer. When you find something, you can add it to your Shortlist and we’ll carry out the vehicle checks and provide a finance quote specifically for that car. Again, you can also give one of our car buying experts a call on 01625 619 944.

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Opening hours:
9am to 8pm Monday - Friday
9am to 6pm Saturday
10am to 6pm Sunday and Bank Holidays