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Discover a new way to finance your car with Zuto

You've found the vehicle. Now let our friendly car buying experts put one of life's biggest buying decisions back in your hands.

Car finance calculator

  1. Unstable address history, unconfirmed by electoral roll. Recent employment or self-employment and periods of unemployment. Over credit card limit and late on mortgage, loan repayments. Recent or current late payments, defaults or repossession registered. Recent County Court Judgements, Bankruptcy or similar. No bank account.

  2. Frequent changes of address with patchy electoral roll record. Recent changes in employment or self employment. Recent (and frequent) credit applications. High level of debt to estimated income. Recent late payments/credit cards over limits. Old defaults or County Court Judgements.

  3. Frequent changes of address with patchy electoral roll record. Recent changes in employment or self employment. More frequent credit applications. High level of debt to estimated income. Occasional late payments or credit cards over limits. Old defaults or County Court Judgements, especially of small value.

  4. Resident at address for long period with electoral roll record. Home owner or long term tenant. With same employer or self employed for long period. Long credit history with mortgage, loans and credit cards. Infrequent credit applications. Credit with few missed payments, defaults or County Court Judgements.

  5. Resident at address for long period with electoral roll record. Home owner or long term tenant. With same employer or self employed for long period. Long credit history with mortgage, loans and credit cards. Infrequent credit applications. Credit with no missed payments, defaults or County Court Judgements.

At Zuto we can arrange finance for anything from £1,500 to £50,000.

£1,500 £50,000

Please choose the amount in months you wish to repay your loan over.

24 months 60 months

Car finance calculatorsummary

Borrowing £7,000 over 48 months will cost you £182.42 per month

Best available rate, Average credit, £7,500, 48 months. 31.5% APR


Apply now for your personalised, no-obligation quote

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Representative example

  • Bad credit

    Borrowing £7,500 over 48 months with a representative APR of 33.2%, an annual interest rate of 33.2% and a deposit of £0.00, the amount payable would be: £265.63 a month, with a total cost of credit of £5,250.24 and a total amount payable of £12,750.24

  • Poor credit

    Borrowing £7,500 over 48 months with a representative APR of 25.6%, an annual interest rate of 25.6% and a deposit of £0.00, the amount payable would be: £240.44 a month, with a total cost of credit of £4,041.12 and a total amount payable of £11,541.12

  • Average credit

    Borrowing £7,500 over 48 months with a representative APR of 16.8%, an annual interest rate of 16.8% and a deposit of £0.00, the amount payable would be: £211.25 a month, with a total cost of credit of £2,640 and a total amount payable of £10,140

  • Good credit

    Borrowing £7,500 over 48 months with a representative APR of 13.9%, an annual interest rate of 13.9% and a deposit of £0.00, the amount payable would be: £201.56 a month, with a total cost of credit of £2,147.88 and a total amount payable of £9,674.88

  • Excellent credit

    Borrowing £7,500 over 48 months with a representative APR of 11.2%, an annual interest rate of 11.2% and a deposit of £0.00, the amount payable would be: £192.50 a month, with a total cost of credit of £1,740 and a total amount payable of £9,240

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Are you ready?

If you've found a car and you're looking for finance, our team will do the legwork to find you a loan. If you're still looking for a vehicle, our car buying experts can take you through every step, from taking control of your budget, to finding a dealer, and completing a vehicle and valuation check on your chosen car. Just click apply to get started.

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HOW CAN I PAY?

We work with a panel of lenders to offer a range of finance options. Our car buying experts will use your information to match you with the best option dependent on your personal circumstances.

Hire Purchase

The majority of finance we arrange is Hire Purchase, which is really simple: you hire the vehicle from the lender, take responsibility for it, and make monthly repayments until you've paid off the agreed amount. Once all the payments have been made the vehicle is legally yours. In some cases you might have to pay a small purchase or admin fee at the end of the agreement. Or you can choose not to buy the car, and simply hand it back. It's good for people who can't or don't want to pay cash upfront for a vehicle.

Personal Loan

Personal loans are not secured on the vehicle you buy. That means you own the vehicle from the start, and you make fixed monthly repayments to the lender. It's good for people who have an excellent or good credit rating.

Personal Contract Purchase (PCP)

Personal Contract Purchase is becoming a more popular way to buy. It's similar to hire purchase, and gives you the option of handing back the vehicle, with nothing to pay or the option to pay a final balloon payment and keep the vehicle. You'll know how much this is from the start, because the value of the car is fixed under something called Guaranteed Minimum Future Value (GMFV). Alternatively, you can use any difference between the GMFV and what a dealer will offer in part-exchange as a deposit on another vehicle. Excess mileage charges, costs to repair for non wear-and-tear damage and any alterations you make could be payable in addition to the GMFV at the end of your agreement. It's good for people who like to change their car regularly or want lower monthly repayments.

Conditional Sale (CS)

This can best be described as paying in monthly instalments. The vehicle belongs to the lender while you're making the repayments, even though you have possession of it and are responsible for keeping it in good condition, well serviced and comprehensively insured. Once you've paid all the repayments due under the agreement, you're automatically the owner. It's good for people in varying financial circumstances and who want to spread the cost evenly.