{"id":80118,"date":"2018-01-09T10:11:17","date_gmt":"2018-01-09T10:11:17","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=80118"},"modified":"2025-02-19T14:45:27","modified_gmt":"2025-02-19T14:45:27","slug":"zuto","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-loans\/zuto","title":{"rendered":"Zuto Car Finance and Car Loan review"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; }\n.lds-facebook div:nth-child(1) { left: 8px; animation-delay: -0.24s; }\n.lds-facebook div:nth-child(2) { left: 32px; animation-delay: -0.12s; }\n.lds-facebook div:nth-child(3) { left: 56px; animation-delay: 0; }\n@keyframes lds-facebook { 0% { top: 8px; height: 64px; } 50%, 100% { top: 24px; height: 32px; } }\n<\/style>\n\n\n\n<div id=\"user-review-promo\">\n<div id=\"user-review-promo-content\">\n<div id=\"user-review-promo-close\" style=\"display: none\">x<\/div>\n\n<div id=\"review-loader\" class=\"lds-facebook\"><div><\/div><div><\/div><div><\/div><\/div>\n\n<div id=\"user-review-promo-core\">\n<img decoding=\"async\" id=\"user-review-promo-img\" src=\"\" style=\"max-width: 200px;\" loading=\"lazy\">\n<p class=\"u-italic text-xxx-large\">Leave a review<\/p>\n<p id=\"user-review-promo-copy\" class=\"u-border--b u-border--normal u-border--solid has-padding-bottom-small\"><\/p>\n\n<div id=\"user-review-promo-element\" class=\"has-margin-small\">\n<div id=\"user-review-promo-rating\">\n<div id=\"user-review-promo-rating-copy\"><\/div>\n<div id=\"user-review-promo-rating-stars\">\n<span id=\"star1\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"5\">\u2605<\/span>\n<span id=\"star2\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"4\">\u2605<\/span>\n<span id=\"star3\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"3\">\u2605<\/span>\n<span id=\"star4\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"2\">\u2605<\/span>\n<span id=\"star5\" class=\"reviewstar luna-stars luna-stars--yellow\" data-rating=\"1\">\u2605<\/span>\n<\/div>\n<\/div>\n<div id=\"user-review-promo-review\">\n<p class=\"has-margin-bottom-xsmall\">Your review<\/p>\n<p id=\"user-review-promo-review-description\" style=\"font-size: .8em;\"><\/p>\n<textarea id=\"user-review-promo-review-text\" class=\"luna-input review\" style=\"width: 100%; min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.zuto.com\/\" class=\"luna-button luna-button--primary\">Return to Zuto<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\n\n\ntry {\nmembersSdk.getUserNotes().then(notes => {\nconst existingIdsReviewed = notes.filter(note => note.fieldName === 'idsreviewed').reverse()[0]?.value || \"\";\nvar fldval = existingIdsReviewed + user_review_data.productApiId + \",\";\nlet recordUserReview = new CustomEvent(\"SavePrefillValue\", {\ndetail: {\nkey: \"idsreviewed\",\nvalue: fldval,\nisGlobal: true\n}\n});\nwindow.dispatchEvent(recordUserReview);\nvar trackingParams = {};\ntrackingParams.signUpUrl = window.location.href;\ndocument.dispatchEvent(\nnew CustomEvent('ga4.track', {\ndetail: {\nname: \"formSubmitted\",\nparams: {\nformFields: {\n\"eventName\": \"reviewSubmitted\",\n\"niche\": user_review_data.niche,\n\"productId\": user_review_data.productApiId,\n\"productName\": user_review_data.reviewableName,\n\"title\": user_review_name, \n\"text\": user_review_description,\n\"country\": \"uk\",\n\"url\": window.location.href, \n\"rating\": user_review_rating,\n\"reviewableId\": user_review_data.reviewableId,\n\"idsReviewed\": fldval,\n}\n},\n}\n})\n);\n}).catch(error => { console.error('Failed to fetch notes:', error); });\n} catch (error) { console.log('Error during processing:', error); }\n\n\nvar optin = document.getElementById(\"check-1c\").checked;\nif (optin == true) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSignUpPayload(email);\n} else if (optinCheck == 0) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\ngetSegmentReviewEventPayload(email);\n}\n\n}\n\n\n\n\n}\n});\n\n\n\n\n\nfunction getSegmentReviewEventPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentReviewEvent(email,trackingParams);\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentReviewEvent(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"formSubmitted\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFCL',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\nreturn true;\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"user-review-promo-email\").value;\nvar phoneNumber = '';\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFCL',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'userReview',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\ntrackSegmentBE(email);\n$(\"#user-review-partner-return\").css(\"display\", \"block\");\nreturn true;\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) { return; }\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><style>\r\n.hero-rates__rates > header > a { margin: 0px auto 5px; }\r\n.hero-rates__rates .hero-rates__header { max-width: 95%; margin-left: auto; margin-right: auto; }\r\n@media screen and (max-width: 600px) {\r\n.hero-rates__rates > header > a { max-width: 240px; }\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n}\r\n.hero-rates__description>ul.list-10, .hero-rates__description>ul.list-1, .hero-rates__description h3.hero-rates__offer { display: block; }\r\n\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<article id=\"ukfeatureproduct\" class=\"hero-rates uk-hero-rates\" style=\"max-width: 42rem; margin: 0 auto 20px; min-height: 0px; \">\r\n\r\n<div class=\"hero-rates__content\">\r\n<section class=\"hero-rates__rates\" style=\"flex-shrink: 0;\">\r\n  \r\n<header class=\"hero-rates__header has-margin-top-xsmall\">\r\n\r\n<a rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/car-loans\/zuto-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22b9017590-5a09-4d72-9db0-9a89d4b76914%22%2C%22product_name%22%3A%22Zuto%2Bcar%2Bfinance%22%2C%22offer_id%22%3A%227291%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFCL%22%2C%22post_id%22%3A%2280118%22%2C%22post_path%22%3A%22car-loans%252Fzuto%22%2C%22post_country%22%3A%22uk%22%7D\">\r\n\r\n  \r\n<img decoding=\"async\" alt=\"Zuto car finance\" src=\"https:\/\/www.finder.com\/niche-builder\/5be2a672b6b04.png\" width=\"160\" height=\"100\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5be2a672b6b04.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5be2a672b6b04.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5be2a672b6b04.png?fit=480 480w\" sizes=\"(max-width: 480px) 100vw, 480px\" loading=\"lazy\">\r\n\r\n  \r\n<\/a>\r\n\r\n<\/header>\r\n  \r\n<\/section>\r\n\r\n<section class=\"hero-rates__description\">\r\n\r\n<h3 class=\"hero-rates__offer\">\r\nCar finance from Zuto\r\n\r\n<\/h3>\r\n      \r\n\r\n\r\n\r\n<ul class=\"list-1\" style=\"max-width: 95%;\">\r\n<li>Free car history and value check<\/li><li>Buy from our verified dealers<\/li><li>No broker fees<\/li>\r\n\r\n<\/ul>\r\n\r\n<p>Representative Example: Representative APR 19.7%. Based on borrowing \u00a38,000 over 60 months. Total payable \u00a312,219 at \u00a3204 per month. Zuto is a credit broker, not a lender.<\/p>\r\n\r\n\r\n<\/section>\r\n\r\n<section class=\"hero-rates__cta\">\r\n  \r\n<div class=\"applylinks UKFCL has-margin-top-xsmall\">\r\n\r\n<a class=\"luna-button luna-button--success luna-button--cta luna-button--large has-margin-bottom-xsmall\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/car-loans\/zuto-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22b9017590-5a09-4d72-9db0-9a89d4b76914%22%2C%22product_name%22%3A%22Zuto%2Bcar%2Bfinance%22%2C%22offer_id%22%3A%227291%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFCL%22%2C%22post_id%22%3A%2280118%22%2C%22post_path%22%3A%22car-loans%252Fzuto%22%2C%22post_country%22%3A%22uk%22%7D\">\r\nGo to site\r\n\r\n<\/a>\r\n<br>\r\n\r\n\r\n  \r\n  \r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<\/div>\r\n\r\n<\/section>\r\n\r\n\r\n  \r\n<\/div>\r\n  \r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center\"><p><strong>Warning:<\/strong> late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/p><\/div><\/article><h3 id=\"learn\">How does Zuto car finance work?<\/h3><p>Buying a car outright isn\u2019t a viable option for most of us. Zuto is a credit broker (not a lender) that does its best to provide finance to anyone who can afford it, sourcing flexible car finance for between \u00a32,000 and \u00a348,000, with repayment periods of between 2 and 5 years. Even if you have a bad credit record your application will be considered.<\/p><p>Buying a car on finance requires you to commit to monthly payments, so make sure you carefully work out your budget and choose an affordable option. Don\u2019t forget to take into consideration other costs you\u2019ll need to pay out, such as maintenance costs and <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">car insurance<\/a> before making your final decision. Late repayments will damage your credit score, making it harder to source future finance.<\/p><h3 id=\"Types of car insurance\">What types of car finance can Zuto help me find?<\/h3><p>Zuto offers the following car finance options:<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab2130\" data-toggle=\"tab\">Hire Purchase (HP)<\/a><\/li><li class=\"\"><a href=\"#tab9118\" data-toggle=\"tab\">Conditional Sale<\/a><\/li><li class=\"\"><a href=\"#tab6571\" data-toggle=\"tab\">Personal Contract Purchase (PCP)<\/a><\/li><li class=\"\"><a href=\"#tab4332\" data-toggle=\"tab\">Personal Loan<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab2130\" class=\"tab-pane active \"><h4>Hire Purchase (HP)<\/h4><p>Simply choose your car and the finance team will pay the dealer. You\u2019ll then pay the finance company in monthly instalments until you have paid off the total amount owed. At the end of the agreement you then have the option to take ownership of the car.<\/p><ul class=\"list-1\"><li>Fixed monthly repayments<\/li><li>Typical repayment period of 24-60 months<\/li><li>Recommended deposit of 10%<\/li><li>For people that want their own long-term car but don\u2019t want a personal loan.<\/li><li>Pay a small admin fee typically between \u00a31-299+ to take ownership of the car.<\/li><li>End your agreement sooner by paying off the total due. There may be an early-repayment charge but you could save on interest.<\/li><\/ul><\/div><div id=\"tab9118\" class=\"tab-pane \"><h4>Conditional Sale<\/h4><p>This works exactly the same as a Hire Purchase except you commit to purchasing the car from the start. As soon as you\u2019ve paid off your final instalment the car is yours.<\/p><ul class=\"list-1\"><li>Fixed Monthly Repayments<\/li><li>Typical repayment period of 12-60 months<\/li><li>Recommended deposit of 10%<\/li><li>For people that want their own long-term car but don\u2019t want a personal loan.<\/li><li>Once you\u2019ve paid off your final instalment the car is yours.<\/li><li>End your agreement sooner by paying off the total due. There may be an early repayment charge but you could save on interest.<\/li><\/ul><\/div><div id=\"tab6571\" class=\"tab-pane \"><h4>Personal Contract Purchase (PCP)<\/h4><p>With a PCP you pay monthly instalments, but unlike the other options described here, you\u2019re only paying towards part of the total amount. At the end of your repayment period you then have the chance to take ownership of the car by paying a pre-agreed lump sum, often referred to as a balloon payment. Alternatively, you can give the car back and start again with a new vehicle.<\/p><ul class=\"list-1\"><li>Fixed monthly repayments<\/li><li>Typical repayment period of 12-36 months<\/li><li>Recommended deposit of 10%<\/li><li>For people with a good credit score that like to update their car every few years and don\u2019t mind not owning their vehicle.<\/li><li>Smaller monthly repayments for the same car as with the other options.<\/li><li>Take ownership of the car by paying a pre-agreed lump sum at the end of your repayment period.<\/li><li>End your agreement early by paying off the total due (note that because of how depreciation is calculated, this can be an expensive option).<\/li><\/ul><\/div><div id=\"tab4332\" class=\"tab-pane \"><h4>Personal Loan<\/h4><p>Personal loans can be described by lenders as car loans, and can be used to finance the purchase of a vehicle. They\u2019re not secured on the vehicle you buy. Simply borrow the money, pay the dealer and the car is yours. You then make monthly repayments to the lender.<\/p><ul class=\"list-1\"><li>Monthly repayments will normally be fixed, but make sure to check.<\/li><li>Typical repayment period of 12-60 months.<\/li><li>You don\u2019t have to put down a deposit (although if you can, it will save you money in interest).<\/li><li>For people with an excellent or good credit rating who want to own a car.<\/li><li>You\u2019ll own the car as soon as you have paid the dealer.<\/li><li>To repay early, you can normally request a final settlement figure. This may save you money in interest. The vehicle is yours to sell at any time.<\/li><\/ul><\/div><\/div><h3>How it works<\/h3><ol><li><strong>Use Zuto\u2019s budget calculator.<\/strong> Use Zuto\u2019s monthly budget calculator for an estimate of the car loan you could secure. Your loan will be based on your monthly budget and the period you wish to repay over. You can additionally provide a rough idea of your credit score for a more accurate estimate.<\/li><li><strong>Get a quote.<\/strong> Zuto will need to know a little about you, so they can match you with the right lender. They\u2019ll require a your personal details, 3 years of address history and employment details.<\/li><li><strong>Find your car.<\/strong> Now that you have a good idea of the budget, you\u2019ll need to find a car suitable for you. Zuto\u2019s experts will then run a full vehicle history check.<\/li><li><strong>Drive away.<\/strong> Zuto will help with all the paperwork and pay the dealer, so that all you need to do is collect your new car.<\/li><\/ol><h3>How much will I pay?<\/h3><p>The cost of your loan will depend on factors like how much finance you want, how long you want it for and your credit score.<\/p><ul><li><strong>Long term finance.<\/strong> Generally speaking, if you choose a longer repayment period, you\u2019ll pay less each month but more in total.<\/li><li><strong>Short term finance.<\/strong> Generally speaking, paying back your loan over a shorter period will mean you pay more each month, but less in total.<\/li><li><strong>Deposit size.<\/strong> Paying a larger deposit will cut your monthly repayments and the total amount of interest you pay.<\/li><li><strong>Credit rating.<\/strong> A better credit score will mean you have to pay less in interest.<\/li><\/ul><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">What is APR?<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <p>If you\u2019re comparing any credit-based products, it won\u2019t be long before you\u2019ll come across the Annual Percentage Rate (APR). This figure is designed to provide an annual summary of the cost of a loan. It takes into account both interest and any mandatory charges to be paid (for example an arrangement fee) over the duration of a loan.<\/p><p>All lenders must calculate the APR of their products in the same way and must tell you the APR before you sign an agreement, so for consumers it can be a handy tool for comparison, alongside other features such as the total amount payable.<\/p><p>Bear in mind, however, that lenders are only obliged to award this rate to 51% of those who take out the loan \u2013 the other 49% could pay more. That\u2019s why it\u2019s often referred to as the <strong>representative<\/strong> APR.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n<h3>What criteria must I meet?<\/h3><p>Zuto do their best to help anyone that can afford to finance a car, whether they\u2019re self employed, under 21 or have a poor credit history. However you will need to meet the following criteria:<\/p><ul class=\"list-4\"><li>Be aged 18 or over.<\/li><li>Have lived in the UK for more than 3 years.<\/li><li>Provide a minimum of 3 years address history.<\/li><li>Have a UK bank account.<\/li><\/ul><h3>What is Zuto good and bad at?<\/h3><div class=\"column_wrapper has-margin-bottom\"><div class=\"one_half\"><ul class=\"list-1\"><li><strong>Credit scores.<\/strong> Zuto work with a panel of lenders who are willing to consider financing individuals with poor credit scores. No matter what your previous situation Zuto will do their best to match you with a lender.<\/li><li><strong>More than cars.<\/strong> Zuto can help you finance motorbikes, vans, caravans and pretty much anything else that\u2019s allowed on the road.<\/li><li><strong>Customer reviews.<\/strong> According to Zuto\u2019s website, 98% of customers would recommend them.<\/li><li><strongfinance calcuator=\"\"> Zuto\u2019s easy to use car finance calculator makes it simple to find out the value of car you could finance.<\/strongfinance><\/li><li><strong>Quick responses.<\/strong> Once the application form has been submitted, the majority of customers will be contacted within 24 hours.<\/li><\/ul><\/div><div class=\"one_half last_column\"><ul class=\"list-12\"><li><strong>Maximum finance.<\/strong> Zuto offers a maximum finance of \u00a350,000, but you can call to request to borrow more.<\/li><\/ul><\/div><\/div><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Do I lease the car from Zuto?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Zuto is a credit broker. It aims to match you with one of its lenders to find you the best deal. You have the freedom to buy from wherever you like, just as long as the car passes Zuto\u2019s check.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I sell\/payoff my car before the end date?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Early repayment terms will vary according to the type of finance and your specific offer, so you\u2019ll need to check the details of your particular finance offer.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I get car finance with a bad credit score?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Zuto will try to provide finance based on what people can afford, not what has happened to them in the past. Even if you\u2019ve missed payments before, gone bankrupt or received a county court judgement, Zuto will try to match you with one of their many lenders.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>If you&#8217;re looking at ways to finance a new or used vehicle, Zuto aims to help you take charge of your options. Apply online and secure a competitive rate.<\/p>\n","protected":false},"author":195,"featured_media":110160,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2633],"tags":[],"asset_tag":[],"class_list":["post-80118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Zuto Car Finance and Loans | Review and rates | Finder UK<\/title>\n<meta name=\"description\" content=\"See how to get a Zuto loan or car finance in our review, and see how much you can borrow with our loan calculator.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/car-loans\/zuto\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zuto Car Finance and Car Loan review\" \/>\n<meta property=\"og:description\" content=\"See how to get a Zuto loan or car finance in our review, and see how much you can borrow with our loan calculator.\" \/>\n<meta property=\"og:url\" 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