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Neil C

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Review of the Zuto, Car finance:

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If the car breaks, you're on your own

Setting up a PCP car finance plan with Zuto is easy. They do most of the work including negotiating with the car dealer. This part of the experience is very good. However, if something goes wrong with the car you really are on your own. My engine suffered a catastrophic failure with a repair bill of £7000. Zuto nor the finance company offered any help (even though technically the car is still owned by the finance company until the last balloon payment is paid and the fault is a known weakness in this type of engine so was present at the time of purchase.) Zuto tried to refute the findings of the independent engine inspection report I had completed, blaming me for lack of maintenance causing the oil pump to fail, then when I corrected them with the evidence, I was told by Zuto that my independent engine report was actually insufficent and they told me that I needed to get a different type of report completed (at my further cost). So, I do not own the car, the engine repair bill is mine to bear and neither Zuto nor the finance company are prepared to do anything about it. Thanks! Reviewed on: 14th April 2026

Review of the Alphera Financial Services, Alphera Hire Purchase:

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When the car breaks, you are on your own

Setting up a PCP car finance plan with Alphera (through the Broker Zuto was easy. The latter does most of the work including negotiating with the car dealer.) This part of the experience is very good. However, if something goes wrong with the car you really are on your own. My engine suffered a catastrophic failure with a repair bill of £7000 after just over a year. Alphera finance company told me, a) I can pay off the car and keep it b) early surrender but I pay a huge fee and also pay the difference between the book value and what they get at an auction (with a dead engine it would not be much) c) And I must continue to pay the monthly amount regardless. Alphera technically own the car until the last balloon payment is paid, I was just seeking some help with the repair cost. Even though the actual fault is a known weakness in this type of engine (so was present at the time of purchase) I have been informed that all liability is with me and they are not prepared to entertain any financial assistance. So, I do not own the car, the engine repair bill is mine to bear and Alphera could not care less. They are not prepared to do anything to assist. Thanks! Judging by many of the other reviews on here, I'm not alone in my condemnation of this company. Reviewed on: 14th April 2026

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