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Car finance and car loans

Make your dream car a reality with affordable monthly payments.

I would like to spend: -
£1,500 £50,000
I would like to repay it over: -
24 months 60 months
I have a deposit of: -
£0 £8,000
My credit score is: -
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Bad

Unstable 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.

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Poor

Frequent 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.

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Average

Frequent 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.

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Good

Resident 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.

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Excellent

Resident 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.

Results: 00 monthly repayments at £0,000.00. Total cost of credit: £00,000.00.

APR: 00.00%, Total amount repayable: £00,000.00.

Representative example

Loan amount: £7,500
48 monthly payments at: £197.56
Total cost of credit: £1,982.95
Total amount payable: £9,482.95
Representative APR: 12.79% APR
Deposit amount: £0.00
Loan term: 48 months

How our car loans can benefit you

  • Buy the car of your choice

    Market-leading rates

  • Fast online decisions

    Credit to suit all circumstances

  • Personal advisor

    Simple process

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

  • Apply online

    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.

  • Drive away

    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:

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Disclaimer

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

How do I apply for car finance?

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.