Car finance and car loans
Make your dream car a reality with affordable monthly payments.
How our car loans can benefit you
Buy the car of your choice
Fast online decisions
Credit to suit all circumstances
What our customers think
“I was assigned my own advisor who was very patient and friendly, she offered a lot of advice and knowledge.”Jake, Leeds
“I was pre approved and went searching for my new car with confidence. Once I found my car, the paperwork was very straight forward. I only wish everything in life was this simple.”Sharon, Devon
“From start to finish the loan process was so easy, the staff were extremely helpful, concise and to the point.”John, Glasgow
This is how it works
Take 2 minutes to fill out the simple online application form for a fast decision from one of over 15 different lenders on our panel.
Get your approval
Your own personal advisor will guide you through the whole process, terms of your finance and your credit limit.
Choose your car
You can buy the car of your choice. All we need is the registration, mileage, and price of your chosen car.
Zuto sorts the paperwork between the lender and the seller, so you can concentrate on enjoying your new car!
Compare car finance from leading brands including:
Zuto Limited. Registered in England. Registered number 05722976. Registered Office: Winterton House, Winterton Way, Macclesfield, Cheshire SK11 0LP. Zuto Limited is acting as a credit broker and not a lender, 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. Zuto can introduce you to a limited number of finance providers, based on your credit rating, and we may receive a commission for such introductions.
* Please note that all figures given on the calculator are estimates. Your actual finance repayments will be based on your individual circumstances and we can't guarantee being able to obtain finance at the quoted rates. We will always try to obtain the best deal for you based on your personal circumstances.
Our car loans can offer you
- You can have a loan underwritten, approved and paid for within 1 hour.
- Compare over 300 loan products from over 15 different lenders.
- Car finance tailored for you not your credit history.
- Hassle free and easy to use service.
- Choose the car of your choice from anywhere in the UK, you decide!
Need to speak to someone?
If you have any questions about loans or how to apply, call Zuto on:
0333 800 3853
Loans and Finance FAQs
Select Apply Now and you'll be taken to Zuto's application form, which will ask for a few details including address and employment details. Your application will then be processed by their team and you'll receive a quick decision.Do I have to choose my car before I apply?
No. If you apply for finance first you know what your budget is when you start looking for a car. If you have found a vehicle then just let your Zuto advisor know.Where can I buy a car from?
Zuto will do their best to help you buy your car from wherever you want, but sellers have to pass certain checks. The criteria for cars and dealers is quite broad and Zuto will explain them and help you find something suitable.How much will it cost?
Your repayments will depend on many factors, such as the cost of the car and your credit rating. To get an estimate you can use our car finance calculator, and when you apply you will be provided with a full, personalised, no-obligation quote.Can I get car finance if I'm self-employed or have a bad credit rating?
Zuto are happy to consider applications from people who are self-employed or who have bad or poor credit. They have many lenders who regularly provide finance to people in these situations.What sort of driving licence do I need?
Different lenders have different criteria and Zuto can help people with various licences, including provisional.When will I get a decision?
Zuto will process your application quickly, and if you apply during business hours they aim to give you a decision within a few hours.Will I need a deposit?
Most of the time customers do not need a deposit. Some of the lenders Zuto work with do ask for a small deposit, but your advisor will let you know if this is the case.How old do I need to be?
Zuto can help younger drivers. If you are aged 18-21 your application will be considered, but if you have no credit history you might need a guarantor on your application.What vehicles can I get finance for?
Zuto provide finance for all kinds of vehicles, including cars, motorbikes, vans and caravans.