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  • Representative Example

    Average Credit

    • Loan Amount: £7,500
    • Total Cost of Credit: £3,001.26
    • Representative APR: 19.15% APR
    • 48 Monthly Repayments: £218.78
    • Deposit Amount: £0.00
    • Loan Term: 48 months
    • Rate of Interest(fixed pa): 19.15% pa
    • Total Amount Payable: £10,501.26
  • Total cost of credit:

  • Total amount repayable:

  • Monthly Repayment:

APR: 5.9%, Rate of interest (fixed pa): 2.64% pa, Total amount repayable: £8606.25.

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About Zuto car finance

Before applying, you can use our calculator to give an indication of how much your finance is likely to cost each month. The calculator is only a guide: if you apply, your offer will be based on your circumstances.

You can get approved before or after you find a car. Zuto aims to get you a decision within 24 hours – many applicants are accepted within just a few minutes. A huge 97% of customers recommend Zuto. (See below for reviews). We’ve had great feedback from some PH’ers who’ve used the service

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.

How it works

  • Deposit not always required
  • You can still part exchange when using a Zuto Finance offer
  • Support from a personal Adviser throughouts
  • Vehicle and Dealer checks carried out free of charge for your piece of mind
  • Get approved first then find a vehicle – finance offers are portable

What our customers say

"Great service quick and helpful"

Great service from first to last phone call.. polite professional and very quick explained everything will reccommend


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 Pistonheads is an introducer appointed representative of Zuto Limited, which is authorised and regulated by the Financial Conduct Authority.

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