Finance

Car Finance Is Quick, Easy, and Completely Transparent with Zuto

Here's how to arrange car finance in three simple steps with Zuto:

1- Apply online

View the car you're interested in on Auto Trader, adjust your requirements using the finance calculators and we'll give you a quick decision. One of our team will be in touch to talk you through your options.

2- Pick your car

Now for the fun part. Whether you've already set your sights on a new car or you want to browse from our network of verified dealers, we'll run a free vehicle and history check on any car you like.

3- Get on the road

Once the final checks are completed and you're happy with the details, we'll take care of everything to make buying your new car as easy as possible. You simply need to collect the car and we'll handle the payment with the dealer.

We know that purchasing a vehicle is a big investment for most people and we’re dedicated to making the buying process as straightforward and hassle-free for our customers as possible. We can help you create a finance package that could get you behind the wheel of your dream car. 

Car Finance Explained

There are three main types of finance deals that you might want to consider:

Hire Purchase

Sometimes just referred to as HP, this is a loan secured against the vehicle itself. This is a great choice for people who want to spread out the cost of their car. Typical HP deals involve a deposit and the rest of the balance is paid in instalments, plus interest. Once you’ve paid your final instalment, you own the car outright.

Personal Contract Purchase (PCP)

This is a good option for those who like to change their car every few years but don’t want to fork out a big sum each time. You will typically be asked to pay a deposit followed by monthly payments. At the end of the agreed period, for example, three years, you will have the option of paying the rest of balance, returning the vehicle or using any residual value on a deal with your next car.

Personal Leasing (Contract Hire)

Contract Hire deals are very much like the PCP deals described above, however, you won’t have the option to buy the car outright at the end of the deal. 

So, whatever your credit history, we are in a position to create the perfect finance solution for you. Get in touch with a member of our friendly team to find out what your options are.