How does it work ?

  • 1. Apply online

    Complete a quick and easy online application form which won’t impact your credit score. You’ll get a decision within minutes and one of Zuto’s car buying experts will be in touch.

  • 2. Buy with confidence

    Zuto even run a free vehicle and history check on any car you’re looking at so you can buy with confidence.

  • 3. Get on the road

    Once you’re happy with the finance offer, and the lender has done their final checks, Zuto will pay the dealer so all you need to do is pick up the car and drive away.

About Zuto car finance

Zuto loves getting you on the road and they want to make buying a car as pain-free as possible. Applying is easy with their quick, online application form. And signing and sending important documents is simple with Zuto's online "My Zuto" account area.

Zuto will search over 80 finance options from 18 lenders, to try and find something you're going to be happy with. There's no pressure and it's all free. You don't even need to have a car in mind. So, you could get pre-approved, then go and track down the car you want.

We don't think you'll need this, seeing as you're all car enthusiasts anyway, but if you want help finding the right car, Zuto's car buying experts can do the legwork for you. Just let them know what you're after and they'll get right on it.

Zuto Finance FAQs

Do Zuto charge a fee?

Zuto are a broker, not a lender, so any charges they incur are covered by the fees they receive from the lenders for arranging your car finance with them. This means Zuto offer their service to you free of charge.

What vehicles can I buy with car finance from Zuto?

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

We can also provide finance for more specialist vehicles, simply use the finance calculator above to get a quote.

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.

Can Zuto help if I have a bad credit history?

Bad credit car finance is one of the areas that the Zuto team understands well. They’ve helped thousands of drivers who may have a lower credit score find the right car finance deal for them.

Zuto run a soft credit check when you make an application for car finance meaning you can find out if you’ve been approved without impacting your credit score.

Is there certain criteria I must meet to apply for car finance?

When applying for car finance with Zuto, you need to be at least 18 years old and have lived in the UK for three years or more.

Zuto work with a large panel of lenders and any decision is based on your personal circumstances.

Will applying for car finance impact my credit score?

Applying with Zuto won't impact your credit score. When you apply, Zuto run what's called a 'soft credit check' which allows their panel of lenders to decide whether your application is likely to be accepted or not.