Car Finance
- Get a decision in minutes
- Free vehicle history and valuation check
- All credit histories considered
No impact on your credit score
Zuto is a credit broker not a lender. Our rates start from 10.9% APR, representative 19.7% APR.
How Zuto works
Apply Online
Using our simple application form, we will need a few details to provide a personalised quote.
Compare Finance
We’ll search our panel of lenders to find the best deal to suit your needs.
Choose your car
Whether you've already found a car or want to browse our verified dealers, we'll run a free vehicle and history check for you.
Drive Away
We got at your pace, but on average customers are driving away their new car within 7 days.
Why choose Zuto
£0 Deposit Options
Many of our lenders offer zero deposit options to help spread the cost.
Providing car finance since 2006
Over 5.3 million customers have trusted Zuto.
Wide range of lenders
We have over 275 finance options available from 16 lenders.
Expert Advice
Our team of car finance experts provide advice and guidance throughout the whole car buying process.
Flexible Terms
We offer flexible finance options including repayment terms tailored to your individual circumstances.
Convenience
Our easy online application process means you can start the car finance process anywhere!
Frequently asked questions
Do I need a deposit to be accepted?
No, a deposit could be beneficial but many lenders may still approve you without one.
Can I get car finance if I have bad credit?
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.
What is car finance?
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.
Zuto is credit broker, not a lender. Zuto Limited is authorised and regulated by the Financial Conduct Authority, registration number 452589. All finance is subject to status and income.
Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Certain exclusions for NI residents. Zuto won't charge you anything for our service but we will receive a commission from the lender which varies based on the product, amount borrowed or your credit score. This doesn't affect the amount you pay. Written quotation on request.
Our rates start from 10.9% 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 19.7% the amount payable would be £204 a month, with a total cost of credit of £4,219 and a total amount payable of £12,219.
