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Car Finance & Loans

Work out how much you can afford every month

BadUnstable address history, unconfirmed by electoral roll. Recent employment or self-employment and periods of unemployment. Over credit card limit and late on mortgage, loan repayments. Recent or current late payments, defaults or repossession registered. Recent County Court Judgements, Bankruptcy or similar. No bank account. PoorFrequent changes of address with patchy electoral roll record. Recent changes in employment or self-employment. Recent (and frequent) credit applications. High level of debt to estimated income. Recent late payments/credit cards over limits. Old defaults or County Court Judgements. AverageFrequent changes of address with patchy electoral roll record. Recent changes in employment or self-employment. More frequent credit applications. High level of debt to estimated income. Occasional late payments or credit cards over limits. Old defaults or County Court Judgements, especially of small value. GoodResident at address for a long period with electoral roll record. Home owner or long term tenant. With same employer or self-employed for a long period. Long credit history with mortgage, loans and credit cards. Infrequent credit applications. Credit with few missed payments, defaults or County Court Judgements. ExcellentResident at address for a long period with electoral roll record. Home owner or long term tenant. With same employer or self-employed for a long period. Long credit history with mortgage, loans and credit cards. Infrequent credit application. Credit with no missed payments, defaults or County Court Judgements.
16995
60
8.0 6.8 5.9 5.2 4.9

Car finance calculator summary

Borrowing £8,000 over 60 months could cost you £154 per month at 6% APR (best rate available with excellent credit).

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Representative example: Excellent credit

Borrowing £7,500 over 48 months with a representative APR of %, an annual interest rate of % and a deposit of £0.00, the amount payable would be: £ a month, with a total cost of credit of £ and total amount payable of £.

How it works

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Buy from any UK dealer or let Zuto's car finding team help you.

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Drive away happy

Sign the paperwork, Zuto will pay the dealership and you can collect your vehicle.

What our customers are saying

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Very patient and friendly

I was assigned my own advisor who was very patient and friendly, she offered a lot of advice and knowledge.

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Jake, Leeds

Straight forward

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.

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Sharon, Devon

So easy

From start to finish the loan process was so easy, the staff were extremely helpful, concise and to the point.

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John, Glasgow

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Finance FAQs

Terms and conditions *Subject to meeting the terms and conditions of our lending panel Please note that your personal finance example and monthly repayment are designed to give you an indication of how much you may expect to pay for your loan. Due to the many factors involved in vehicle finance companies making their decision, Zuto can't guarantee being able to obtain a loan at the quoted rates/prices. Zuto’s staff will always try to obtain the best deal for you based on all your circumstances. 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. Auto Trader Limited is a credit broker not a lender, and is authorised and regulated by the Financial Conduct Authority in relation to consumer credit and insurance mediation activities. Our FCA firm number is 735711.