Get your quote now

“I have an
credit score and
would like to borrow

to be repaid


Headline rate

Total cost of credit: £1598.90
Total amount repayable: £28698.90
APR: 5.9%
Rate of interest (fixed pa): 2.64% pa
Monthly repayments: £381.04 (24 months)
  • 160 second quote apply online, hassle free approval
  • 2Choose the car of your choice, anywhere in the UK
  • 3We'll do the paperwork. Drive away usually within 24 hours

Representative example

  • Loan amount: £7,500
  • 48 monthly payments at: £218.78
  • Total cost of credit: £3,001.26
  • Total amount payable: £10,501.26
  • Representative APR: 19.15% APR
  • Loan term: 48 months

We aim to get you the best car finance deal and help to make the most of your money.

  • Choose car from any dealer
  • Part exchange welcome
  • Exclusive low rates
  • All credit history considered
  • No admin fee
  • Deposit not always required
  • Collect car same day
  • No obligation quote
  • Personal advisor

Having trouble?

Speak with us directly

  • 0808 2849465
    9am to 8pm

What our customers say

“A great way to organise finance, a much simpler way than using banks or car dealers, competitive rates, speedy payment to dealership, thanks!”

Gareth, Bracknell

“I would like to thank all at the Zuto team in making my application very simple. I was always kept informed every step of the way with my application. Fantastic.”

Angela, Leeds

“Friendly people and great service, got an Audi using Zuto! Totally recommend them, quick and easy they helped me afford the car I wanted”

Steve, Derby

Need more information?

Can I get car finance even if I have a bad credit rating?
Yes, you can. We’re experts at providing car finance for people who have had problems obtaining credit, even if you're in an IVA or Debt Management Plan. We are unable to help if you are currently bankrupt. Having a poor credit rating doesn't stop you from getting a car loan with us, even if you've been refused before.
I'm self-employed can I get car finance?
Yes, even if you're self-employed we can still find you a great car finance deal although the lenders may ask for 3 months bank statements. Just give us a call or apply online.
I was made bankrupt two years ago, would I still be accepted?
Yes, just as long as you’ve been discharged for a minimum of 12 months, we can help. Apply today!
Can I buy a car from a private seller?
The majority of the cars we finance are bought through UK dealers holding a Consumer Credit License. However, we are able to provide finance for some private car sales, providing the vehicle meets certain criteria. Your Sales Advisor will provide you with more information regarding the requirements the car must meet at the point where your application for finance is accepted.
I've lived in the UK for 2 years, can I get finance?
Unfortunately we are unable to help with finance until you have lived in the UK for at least 3 years before taking out finance.
Do you do credit checks, and if so, how many do you do?
Yes, we conduct credit checks to match your credit profile and individual circumstances to a lender. The average customer will incur 2-3 credit checks, depending on their circumstances.
I'm on Benefits, can I apply?
Yes, we have a few lenders that could help, although we've found that only those with an excellent credit rating have been approved in these circumstances, however applying in joint names with a working partner may help.
How long is the whole process?
It's normally 2-4 working days from start to finish, although an approval is valid for 28 days if you prefer to take your time.
I'm 17 years old, can I get finance?
No unfortunately we wouldn't be able to help until you're 18 years old. We have lenders that finance 18-21 year olds, although, on some occasions we will need to add a guarantor to your application.
What's the minimum I can borrow?
The minimum loan amount is £2,000-£3,000 depending on the lender.