Financial Help at Hand

Your Smart Online Broker

Car Loan 4U Car Finance

Discover your car finance options now!

Apply Now

Car Finance

  • PCP, Contract Hire & HP
  • 80 plans / 18 lenders
  • All credit ratings
  • Flexible purchase options
  • Open 7 days per week
  • 98% overall rating

Car Loan 4U

"You choose the car & we'll do the rest"

carloan4u logo

Now known as Zuto

Car Loan 4U will:

  • Offer friendly and hassle-free support
  • Provide a free vehicle history & valuation check
  • Complete the paperwork for you

We've chosen to partner with Car Loan 4U for car finance products because they go beyond what the average provider offers. Not only will they source the best finance deal for you, but help you check out your proposed vehicle and keep the paperwork to a minimum. Add to that the high level of customer satisfaction - an overall rating of 98% - and we feel this is the right company to work with.

Key Information

  • Apply for finance from £1500 to £50,000, with the typical finance amount being £7,500.
  • All credit histories catered for with finance priced accordingly - they aim to have something for everyone
  • Various forms of car and vehicle finance are available:
    • PCP
    • HP
    • Conditional Sale
  • You can buy your vehicle from any reputable UK dealership, and if you want extra peace of mind you can use one of Car Loans 4U's recommended dealers - they come in all shapes and sizes:
    • main dealers networks
    • car supermarkets
    • independent retailers, etc
  • All makes and models of car, motorcycles and other vehicles are included
Who can get car finance?
  • PCP is typically for good credit applicants
  • HP is available to most applicants
  • Homeowners will be eligible for the best rates
  • There are good rates for non-homeowners & tenants who may not be able to get a personal loan (as high street banks won’t lend to them at competitive APR’s)
  • Loans are available for people who have had/have defaults, CCJ’s, are ex bankrupt, on a DMP (Debt management) or have an IVA (Individual Voluntary Arrangement)
  • More likely to get accepted for car finance as the loan is secured on the car
How much will my finance cost?

Your monthly repayment amount will depend on your precise requirements and your personal circumstances. However, Car Loans 4U's representative examples allow you to see how your credit rating could affect your repayments.

Assuming you need £7000 for your next car and that you wil repay over 48 months then:

  • Excellent Credit: £163.92/month (total repayable £7,868) - 6% APR
  • Good Credit: £175.79/month (£8,438) - 9.9% APR
  • Average Credit: £191.19/month (£9,177) - 14.9% APR
  • Poor Credit: £219.10/month (£10,517) - 23.9% APR
  • Bad Credit: £243.13/month (£11,670) - 31.6% APR
In addition your choice of a PCP or HP deal will determine whether you are buying the vehicle outright or handing it back at the end of the contract. This will also influence the monthly repayment.
As with all credit it makes sense to repay it as quickly as possible to reduce the impact of interest charges. But you should also make repayments in the context of your overall personal budget so that repayments remain affordable.


Radio Advert: Listen to it now

This service is free to you. We may earn a commission from Car Loan 4U if you take a loan via their broking service. This is paid by them not by you.

Video: PCP vs. HP


Representative Example

Loan Amount


Monthly Repayment


Loan Term

48 mnths

Total Repayment


Rate of Interest p.a.


Representative APR


Apply Now!

Answer 4 quick questions to discover your loan options.

Quick Start

Our Promises

  • No Upfront Fees
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


Online Service

When it comes to getting you your car finance our online service is second to none. In fact has scored 4.6 out of 5 based on 197 ratings & 30 user reviews for its car finance service.

Used our website? Write your review now.