Zuto

Who is Zuto?

Zuto is a car finance credit broker, authorised and regulated by the Financial Conduct Authority (FCA).

On their website, Zuto state that they’re “passionate about matching people to a finance package that’s right for them” and aim to “remove the complexity and hassle of finding and financing a car”.

Zuto reviews

As of September 2026, Zuto is rated ‘Excellent’ on Trustpilot, with an average score of 4.8/5.

Zuto eligibility criteria

You can apply with Zuto if you:

Additional criteria may apply.

What sort of products could Zuto help me search for?

Zuto is a credit broker and could help you search for the following products to finance a car purchase:

What is car finance?

When buying a vehicle using car finance, you’ll spread the cost, rather than pay the full amount upfront.
Typically, you’ll repay the money you borrow in instalments, which will include interest.

Will car finance impact my credit score?

Yes. As a credit product, car finance will affect your credit score.

Whether the impact is positive or negative will depend on how you manage your borrowing.
Your credit provider will report your repayment activity to the credit reference agencies (CRAs).
If you make your repayments in full and on time, you could see an improvement in your credit score over time. On the other hand, a late or missed repayment could cause your credit score to decline.

It’s also worth noting that when you apply for car finance, the provider will complete a creditworthiness assessment, which will include a hard search or an Open Banking check. Please remember that multiple hard searches within a short space of time could damage your credit score.

How does Zuto work?

How much money could I borrow?

The amount of money you could be approved to borrow will depend on your individual circumstances. You should never borrow more than you need or can afford to repay.

Car finance: what sort of repayment terms are available?

The repayment terms available to you will depend on the car finance provider you apply with, and the amount of money you’re approved to borrow.

What Representative Annual Percentage Rate (APR) does Zuto advertise?

Zuto advertises the following representative example on their website:

“Zuto is a credit broker, not a lender. Our rates start from 8.9%, representative APR 18.5%. The rate you are offered will depend on your individual circumstances. Borrowing £8,000 over 60 months with a representative APR of 18.5% the amount payable would be £199 a month, with a total cost of credit of £3,954 and a total amount payable of £11,954.”

I used CashLady to search for a loan; why was I matched with Zuto?

You could have been matched with Zuto after a search with CashLady if, on our application form, you stated that you were looking for a loan to buy a car.

CashLady is a credit broker working with over 30 direct lenders. The lenders on our panel offer loans and loan alternatives. You’re under no obligation to go ahead with any loan or alternative product that you’re matched with.

How to contact Zuto

*The Zuto team is available:

You can find out more about Zuto on the website where you’ll also find a helpful FAQ section and car finance glossary.

What to do if you’re worried about money

Many of us will experience money worries at some point in our lives. If you could do with some support, please know that you can reach out to any of the following charities and organisations for free, confidential advice: StepChange, MoneyHelper, Citizens Advice, and National Debtline.