Zuto car finance

  • PCP, Contract Hire & HP
  • New & used cars
  • Dealer & private sales
  • One-to-one service
  • All credit ratings
  • Rated 4.7/5 on Trustpilot
young couple wearing blue standing next to each other and smiling

Zuto logo

About Zuto

We’ve chosen to partner with Zuto for car finance because their service is exceptional.

With Zuto you can finance a private purchase or opt to use a Zuto-verified car dealer. You can also take advantage of a free car history and value check.

Add to this the high level of customer satisfaction – a rating of 4.7 out of 5 on Trustpilot with 94% of reviewers grading them as “excellent” or “great” – and the fact that the service is free and we believe they fit very well with our own values.


Aged 17 to 21? Want a new car and free insurance? Find out about Marmalade’s cars for young drivers

Zuto summary:

  • Credit problems? Special plans available
  • Get a dedicated adviser/car buying expert
  • Conduct a car “stock search” to find your car, if you wish
  • Get peace of mind – a full vehicle history check & valuation.
  • No Fees!
  • Questions about Zuto? Read our FAQs

About Car Finance

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Zuto’s Representative Example

Borrow £7,000 for 48 months. Representative 19.3% APR fixed. Monthly payment £205. Interest payable £2,831. Total amount repayable £9,831.

Zuto is a credit broker, not a lender. Rates start from 9.9% APR. The rate you are offered will depend on your individual circumstances.

Zuto: Take Charge of your Car Finance

How to get car finance with Zuto

Zuto’s free broking service will find the credit you need regardless of whether you want to buy the car from a dealer or a private seller. Either find the car before you contact Zuto or search Zuto’s verified dealers to find it later. Let Zuto help you get on the road in a new car.

Decide what you need

1: Decide what you need

Consider both the amount you need to borrow and the amount you can afford to repay each month.
Learn about car finance
Aged 17-21? Learn about Marmalade car finance

Buy with confidence

3: Buy with confidence

Zuto can help you find a car to meet your needs if you haven't already got one in mind. They can provide a history check and valuation for peace of mind.

Get on the road

4: Get on the road

Once the lender has approved your application Zuto will pay the dealer for you and all you need to do is collect the car!

How Zuto Works

Zuto’s Free Broker Service

  • Apply for finance from £1000 to £50,000, with the typical finance amount being £7,500 – used cars are the majority of Zuto’s finance business
  • All credit histories catered for with car finance priced accordingly – they aim to have something for everyone by having a broad lender panel
  • Various forms of car and vehicle finance are available:


  • You can buy your vehicle from any UK dealership. However, for extra peace of mind Zuto have an extensive list of verified dealers!
    • main dealers networks
    • car supermarkets
    • independent retailers, etc
    • …you can even buy privately if you wish
  • No car yet? Let Zuto find one using their free “Stock Search” service (from verified dealers only)
  • You deal with a dedicated sales adviser throughout your dealing with Zuto
  • All makes and models of car, motorcycles and other vehicles are included
  • There is no charge for using their broking service

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Car Finance Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.

Got a Question about Zuto?

Answers to Common Questions

How good is Zuto? Can I trust them?

Zuto have been around longer than you might think. They used to be called “Car Loan 4U” but rebranded to Zuto in 2015. At that point they made major efforts to streamline their business and improve their customer offering. Trustpilot, the customer ratings company, show Zuto rate 4.7 out of 5, and the general tenor of customer feedback is strong. Customers like the personal service an often cite the names of individuals who gave them that good service.

Is Zuto a direct lender?

No, Zuto is a broker. They have a broad panel of lenders that enable them to cover a range of customer needs and credit ratings while being price competitive. It also means they can do the shopping around for you so saving you time, effort and stress.

What vehicles can I finance?

You should be able to get finance for cars, vans motorbikes and even caravans by using Zuto. It doesn’t matter whether you already have a specific vehicle in mind (that you’ve found at a dealer or privately) or not. In fact not only can Zuto help you with the finance but if you wish you can use their verified dealer system to help you find a vehicle to meet your needs.

Depending on the lender there may be some restrictions on the vehicles they will lend against mostly relating to age and mileage. As a general rule try to limit your choice to vehicles less than 10 years old and with less than 100,000 miles on the clock.

How much will my car finance cost?

Your monthly repayment amount will depend on your precise requirements and your personal circumstances. However, Zuto’s car finance calculator (as of April 2021) allows you to see how your credit rating could affect your repayments.

Assuming you need £10,000 for your next car and that you will repay over 48 months then:

  • Excellent Credit: £273/month (total repayable £13,104)
  • Good Credit: £275/month (£13,200)
  • Fair Credit: £293/month (£14,064)
  • Poor Credit: £301/month (£14,448)
  • Bad Credit: £324/month (£15,552)

As of April 2021, Zuto has rates starting at 10.9% APR and its representative APR is 19.9%

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. Compare types of car finance.

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.

Can I get car finance if I have a bad credit history?

Having a CCJ, being in an IVA or on a Debt Management Plan does not preclude you from getting credit although it will undoubtedly be more difficult and cost you more. However, Zuto prides itself on being able to deal with tricky credit situations and it is certainly worth applying to see what they can offer you.

Want to improve your credit rating? You should follow the actions in this detailed guide.
What fees will I have to pay?

Zuto does not charge its customer fees for its broking service. This is one of the reasons why we have teamed up with them as we don’t charge fees either. Any costs incurred by Zuto or us are covered by the fees received from the lender.

There are some occasions where a car dealer or lender may charge an administration fee but of this is the case Zuto will let you know in advance.

Can I buy a car privately using Zuto's finance?

Many people are happy to buy cars privately rather than from a dealer. Zuto works with a number of lenders who are able to finance cars bought privately. The lender may require some additional information about the vehicle but Zuto will guide you through this if this is the case.

You’ll know of course that you are better protected by buying a car through a dealer because such cars come with a warranty.

It’s worth knowing that when you buy a car privately the finance is most likely to be either a personal loan or a hire purchase agreement.

What is a Zuto-verified car dealer?

Zuto wants to protect customers from poor quality service so has developed a network of dealers who meet specific criteria. This network covers the whole UK and is something you’ll be able to access once you have a My Zuto account. Zuto’s dealer verification process includes:

  • conducting a dealer credit check
  • avoiding any dealer who has been guilty of fraud or about who Zuto has received numerous complaints
  • a rolling check of their business history with the dealer
  • monitoring of external reviews to ensure the dealer is meeting high standards
What are the free vehicle checks done for me?

For any car you are interested in Zuto will check its history and it’s value to ensure you’re not taking any major risks.

Valuation Check

This is designed to ensure you’re not paying more than the true market value for the car. If the seller is asking too much and won’t negotiate on the price then you should consider walking away.

History Check

This includes the following:

  • Full vehicle details – the date of registration, original colour, plate changes, import/export details, modifications and the VIN number, engine number and engine specification.
  • Mileage – if the car has done many miles it could provide you with an idea of what sort of problems to look for when going on a test drive e.g. suspension, engine, clutch, brakes.
  • The number of previous owners – if the car has had many owners in a short time it could suggest there’s an ongoing problem with it that is proving hard or expensive to fix.
  • Finance check – to see if there’s any outstanding finance on the car. If there is and the previous owner has stopped paying their finance company it may have the right to seize it from you and sell it to recover costs. You would not be reimbursed.
  • MIAFTR (Motor Insurance Anti-Fraud & Theft Register) checks – to see if the car has been stolen, whether there’s been any fraud associated with it, and if it has been written off previously.
How is a part-exchange vehicle dealt with?

If you have a car that you want to sell to part-fund your new car, and you don’t want to do this privately, then you must part-exchange it. Trading it in to a dealer will generally attract a lower value than selling privately but is of course much less hassle. If you have any outstanding finance on the vehicle you will need to clear this first. The balance of the value remaining will be the deposit on your next vehicle. Zuto will help you value your part exchange to ensure you get a fair price for it.

Can I pay off my car finance early?

A personal loan/car loan or a HP agreement may attract an early redemption charge, but you’ll be more than offsetting this by avoiding future interest.

With PCP car finance things are more complicated as the remaining balance to pay may be more than the car is actually worth. So you can’t just hand the car back and walk away. You would be expected to make up the difference and this may be more than you can afford.

Video: Zuto in their own words

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


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For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.



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Our reputation is great. In fact we have scored 4.6 out of 5 based on 197 ratings & 30 user reviews for our car finance service.


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Written/Reviewed by: Amanda Gillam

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