Take charge of your car finance

After finance for your new car? Try Zuto.They’ll search their panel of lenders to find you a finance option that suits your circumstances. Use the monthly payment calculator below as a guide to what you could pay.Read more

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Finance summary

How does it work

What Car? - Zuto - Get a quote

Get a quote

Tell us a little about yourself and we'll match you with one of our lenders to find you the best deal.

What Car? - Zuto - Find your car

Find your car

Search online or tell us about a car you've found. Our car buying experts will run a full vehicle history check.

What Car? - Zuto - Drive away happy

Drive away happy

We'll help with the paperwork and pay the dealer. All you need to do is collect your new car.

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, they’ll 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.

Don’t take our word for it!

What Car? - TrustPilot
What Car? - TrustPilot
What Car? - Zuto - Customers

Frequently asked questions

Now, we know you might have some questions about how it all works, so Zuto have provided the answer to some FAQs below.

What is the basic criteria for applying for car finance through Zuto?

You must be at least 18 years old, and have lived in the UK for three or more years.

Do Zuto charge for their services?

No, Zuto don't charge you anything for arranging finance or helping you in the search for a new car.

Do I need to pay any money upfront for the car, like a deposit or holding fee?

If you decide to buy a car from a dealership, you may be expected to pay what's called a holding payment. This takes the car you want off sale and reserves it for you. It shows the dealer that you are serious about buying the car, so he'll make sure that no one else can. This can seem a little strange, especially if you've agreed to put the whole cost of the car on finance, but when the sale is complete, the holding fee should be returned to you.

How much you'll pay will depend on the car and the dealer. However, it's important that you don't pay anything to the dealer until you've spoken to Zuto or your lender and confirmed that the car meets their criteria and you're fully approved. And to be completely sure, double-check with the dealer that the holding fee is refundable too.

Can I end my agreement early?

Yes, you can. You will have to pay the total outstanding amount on the finance, plus any fees or charges for early repayment. However, you won't be paying as much interest, so you're likely to make a saving overall.

Who owns the car while it's on finance?

While you're making your monthly payments, the car is still owned by the finance company. Most car finance is hire purchase (HP), which means the finance company buys the car and you buy it from them bit by bit each month, until it's paid for in full.

What if I have an application for car finance approved and then I change my mind?

When you buy things online or over the telephone, like Zuto's services, you have a legal right to cancel within the first 14 days of signing the contract. This is called your 'cooling off period' and, during this time, you do not have to give any reason for wanting to cancel.

If you decide to do this, you'll need to pay the lender the full amount back, plus any interest that's due, but you will still be able to keep the car.

If you have financed a car that you've bought through a private sale, it's going to be harder to return it, if you just decide it's not right for you. This is because a private sale is not governed by the same consumer legislation, so the seller has no obligation to take the car back or refund you. So, it's important that you are 100% happy with the car before you agree to the sale.

Can I move my finance agreement from one car to another?

Yes, refinancing is something Zuto are often able to help with. If you do decide that you need to change your car in the middle of your agreement, contact Zuto to find out what you need to do.

Can I get car finance if I'm self-employed?

There's nothing stopping you from applying, as Zuto believe that deciding to work for yourself shouldn't mean missing out. So they have lenders in their panel who can cater for people who are self-employed. You might need to provide some extra proof of income when you apply, something like bank statements from the last three months should do it. But being self-employed is no barrier to applying for finance.

Can I buy a car from a private seller?

Yes, if you're successfully pre-approved for finance, it means you're free to shop where you like for a car. However, buying from a private seller does come with some extra considerations you'll need to think about. For example, you will not have the same rights as people who buy from a registered business, i.e. a dealership. But this shouldn't put you off, you just need to be sure that you're 100% happy with your purchase before you commit to buying. And, if you were to encounter any issues, Zuto would be there to help.

How long is the process of applying for car finance?

From start to finish, assuming there are no hiccups along the way, it should take only 2-4 days for you to be picking up your car. In some cases, you can drive your new car away on the same day. But, that doesn't mean you have to rush, your application will remain open for 28 days, so if you've not found a car you want, or the one you want is sold, you have plenty of time.

I've only been in the UK for 2 years, can I get finance?

Unfortunately, you can only apply for finance if you have, at least, three years of address details you can give Zuto. Until you've been here for three years, lenders will be nervous. This is to do with your credit history. Lenders need some idea of what will happen if they let you have the money you're asking for. And they don't feel they can do that if you've been here less than three years. As soon as you hit the three year mark, there's nothing stopping you from applying.

What's the minimum I can borrow?

The answer to this question depends on what you're planning on buying. If you're after a motorbike, then you'd be looking at a £1,500 minimum. But, if you're after a car, it's £2000. However, Zuto are pretty flexible and want to try and help as many people as possible, so if you've found a vehicle that you're itching to buy, they'll certainly be happy to talk about it with you.

Can I get finance if I'm 17 years old?

Unfortunately, UK law states that only those over the age of 18 can legally sign a credit agreement. And if you have only recently turned 18 and never applied for credit before, you still might need a guarantor on your application. That's to do with your credit history, and your lender not being able to see how well you'll keep to the agreement. Having a guarantor on the application makes them a little less nervous, as they'll become responsible for the payments, if you're not able to make them for some reason.

Still need help or want some advice?
Still need help or want some advice?Speak with us directly 0808 2849465 9am to 8pm

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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. Haymarket Media Group Limited trading as What Car? is authorised and regulated by theFinancial Conduct Authority, registration number 766521.