Cars on finance with free insurance

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Car Finance Calculator

Representative example:

Borrowing £5,000 over 46 months with a representative APR of 19.9%, an annual interest rate of 18.3% and a deposit of £0.00, the amount payable would be: £152 a month, with a total cost of credit of £1,992 and a total amount payable of £6,992.

How it works

Apply online and find out if you‘re pre-approved in minutes.

Buy from any UK dealer or let Zuto’s car finding team help you.

Sign the paperwork, collect your car and drive away.

What our customers are saying

Finance FAQs

You can apply for car finance through Zuto using its online application form – it’s simple and quick, taking only a few minutes to complete.

You’ll need to give Zuto the usual details, like your name and address. Zuto also needs to know your current financial situation. As a broker, it’ll use this information to assess which product from its panel of lenders, including trusted names like Santander and Blue Motor Finance, is the best option for you.

If there’s a suitable financial product for your circumstances, and you meet the required criteria, Zuto will send you an email to say you’ve been pre-approved. Occasionally, Zuto may need more information from you so may send you an email or call you.

If you prefer to speak to someone, you can call 01625 619944, live chat on the Zuto website, or you can send a message.

If you are 18 years old and have a minimum of 3 years of UK address history, you can apply for finance though Zuto. That’s because only those over the age of 18 are legally allowed to sign a contract for finance in the UK. And lenders won’t consider people who have less than 3 years of address history, which is standard practice in the areas of finance and credit.

Zuto has lenders who’ll be happy to consider amounts between £1,500 and £250,000.

However, Zuto can be flexible and will always want to help if it can. So, if you’ve got your eye on something less or more expensive, give Zuto a call on 01625 619944 to talk it through so it can advise and discuss what your next steps should be.

You can purchase any kind of vehicle using finance through Zuto. Its panel of lenders can arrange finance for cars, motorcycles, vans, touring caravans and even taxis. However, if you have something else in mind, something more usual or specialist, it’s worth giving Zuto a call to see if it can help.

Applying for car finance through Zuto is easy. You just need to provide your personal details and some information about your current financial situation. You’ll also need to provide proof for basic ID checks, so one or more of the following may be requested from you:

driving licence – all lenders will need to see a copy of your driving licence, it’s a basic ID check

a selfie – some lenders also ask for a selfie. This is a basic anti-fraud measure and designed to make sure that you and the person shown in the photo on the driving licence are the same

proof of address – another security measure is to ask you to provide proof of your address

proof of earnings – occasionally you may be asked to provide proof of your earnings. Lenders and brokers do this so that they can carry out affordability checks

Zuto has provided a car finance calculator to give you an idea of what you might pay. But, it’ll only be able to give you the full answer to this question once you’ve completed the application form, and you’ve advised them of the car you want to buy. This is because how much you’ll pay will depend on:

how much you want to borrow

how long you want to take to pay it back

your credit score

However, before you sign the finance agreement you’ll be given a chance to look through the payment schedule and decide if you’re happy with it. If you’re not, you’re under no obligation to continue with the finance.

No, Zuto do not charge you anything for arranging finance.

You may be required to pay an administration fee by the dealer. And some dealers offer optional services that you can pay extra for too, such as a delivery or valeting charge. To find out if admin fees apply to you, speak to the dealer you intend to buy the car from.

Zuto can help if you’re looking to finance a used vehicle. We do not offer finance for brand new vehicles.

Some of our lending panel also set requirements on the car’s age and mileage. As a general rule, you’re best looking for a vehicle that is less than 10 years old and with under 100,000 miles on the clock.

If you wish to buy a car that doesn’t fit this general criteria, Zuto may still be able to help, just give Zuto a call.

If you find a car you want, and you’d like the dealer to take it off sale, you’ll probably have to pay a holding fee. This should be refundable once the sale is completed.

However, some dealers may ask for a holding deposit or deposit, and these may not be refundable. So, it’s useful to make sure you know what it is you’re paying, before you hand over any cash.

Something else Zuto will do is check whether the car you have chosen meets the lenders criteria for full approval. This is because when you first apply for finance, you’re only pre-approved. Full approval depends on your personal circumstances and the car you want to buy meeting the specific criteria of the lender. For example, some lenders will only accept a car for finance if it’s under 10 years old, or if it has less than 100,000 miles on the clock.

Yes, it is possible for Zuto to help you get a new car, even if you have finance left to pay on your old one. Zuto understands that there could be lots of reasons why you might need to change your vehicle before your car finance payments are complete. This is especially true if you’ve taken the finance over a period of five years.

So, if you’d like to explore changing your car, while you’re still on finance, give Zuto a call to see what you need to do to get the ball rolling.

Yes! Zuto is well aware of the difficulty self-employed people can face when trying to get finance. This is often because being self-employed can negatively affect your credit score. So, Zuto has worked hard to secure lenders on its panel who are willing to accept applications from people who are self-employed.

Terms and conditions

*Subject to meeting the terms and conditions of our lending panel

Please note that your personal finance example and monthly repayment are designed to give you an indication of how much you may expect to pay for your loan. Due to the many factors involved in vehicle finance companies making their decision, Zuto can’t guarantee being able to obtain a loan at the quoted rates/prices. Zuto’s staff will always try to obtain the best deal for you based on all your circumstances.

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.

Auto Trader Limited is a credit broker not a lender, and is authorised and regulated by the Financial Conduct Authority in relation to consumer credit and insurance mediation activities. Our FCA firm number is 735711.

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SOURCE: http://www.autotrader.co.uk/car-finance/car-finance-calculator

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