Zuto Review [Read Our Expert Opinion]

Jane Wardle

Written by Jane Wardle on April 5, 2018

Updated April 5, 2018


Overall Rated: 5 / 5


Zuto is a credit broker offering the rates starting from 9.7% APR. The rate offered by the company is based on the status and income of the applicant. Zuto Limited also brings a limited number of finance providers as per the applicant’s credit rating and they may get a commission for such introductions.

Most of the customers have reported that they have got the best finance deal from Zuto as their expert advisors helped them check out their proposed (used) car as well as their proposed dealer. If the customers are unable to find their car, Zuto also helps to do that using its “stock search” facility. Zuto offers finance from £1000 to £50,000, with the typical finance amount being £7,500 – used cars are the majority of Zuto’s finance business.

The process of getting finance is easy and cost-free. The added services are flexible. Many bad-credit customers also got the best deals from Zuto. With high level of customer satisfaction, Zuto is a great option for car financing.


Trust & Reputation

Rated 5/5

Zuto helps customers get a car up to £5,600 or £8,100 based on their credit and income status, with starting rate of 9.7% APR. Zuto has a large panel of nation’s reputed lenders and 80 products to find a car finance options as per customers’ specific needs. Once finance deal is finalized, Zuto also offers the tools to make the best vehicle choice with free vehicle history and valuation checks.

Zuto Limited is authorised and regulated by the Financial Conduct Authority, with registration number 45258. Zuto has been identified in London Stock Exchange Group’s ‘1000 Companies to Inspire Britain’ report. James Wilkinson, CEO of Zuto, has been included in the illustrious Maserati 100. In addition, Zuto has also won the ‘Best Car Finance Provider’ Award in the Broker Category, at the Credit Strategy Awards in 2016.

The company has hundreds of positive reviews on Trustpilot, and recently won the Feefo Gold Trusted Service Award-2018. With a number of performance awards and impressive leadership, Zuto is indeed a well-reputed and recognized business within the UK’s auto finance industry.

Expertise & knowledge

Rated 5/5

At Zuto, customers can apply for finance from £1000 to £50,000 with the typical finance amount being £7,500 - used cars are the majority of Zuto's finance business. All credit histories are catered for with car finance and priced accordingly as Zuto aims to have something for everyone by having a broad lender panel.

Various forms of car and vehicle finance are available including PCP, Contract Hire, HP and Conditional Sale (i.e. HP with the commitment to buy from the start). Customers can buy the vehicle from any UK dealership, and if they want extra peace of mind Zuto tells them which dealers they believe are reputable. Zuto works with main dealers’ networks, car supermarkets and independent retailers, etc. and you can even buy privately if you wish. Zuto’s free "Stock Search" service (reputable dealers only) is also available, considering all makes and models of car, motorcycles and other vehicles. There is no charge for using their broking service. The company is currently working with a panel of 18 trusted lenders to offer access to more than 80 finance products. Zuto has more coverage for used cars since customers often consider the proposed APR higher for the new cars.

Customer Service

Rated 5/5

Zuto’s exceptional credit brokerage services for cars and other vehicles, combined with fee-free value-added services, make it a one-stop-shop for most of the used cars buyers all across the UK. The selective but wide network of lenders, car markets and retailers reflects company’s high credibility. Regulated by FCA and having been won a lot of awards not just for the services, but also the way CEO and advisors have been appreciated in public, Zuto is an established and reliable auto credit broker in the UK.

The services are quick and comprehensive. From finding a loan right through to free vehicle and valuation checks, our one-on-one support means you never have to repeat yourself when you call, stay fully informed at every stage and totally in charge of the decision-making process.

In terms of communication, customers can approach the advisors or representatives via phone or email or even social medical accounts. The team also handles the paperwork and helps customers pay the dealer.

With multiple options including PCP, Contract Hire & HP, flexible purchase options and One-to-One service, we rank the Zuto’s customer service as 5/5.