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Zuto reviews

Zuto logo
Rated Excellent 4.69/5

Zuto reviews

Verified business Last reviewed within 7 days
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • FCA approved and regulated
    FCA approved and regulated
  • On-line application and approval process
    On-line application and approval process
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website

Review summary

People rate this company as Excellent based on 300 product reviews

Average score of 4.69/5
5 star
87%
4 star
3%
3 star
0%
2 star
0%
1 star
10%
Reviews for Zuto have trended negatively over the past 90 days

Latest positive rating

5/5

Lawrence was very professional throughout.

Lawrence was very professional throughout.

{"display":"Karina E","full_name":"Karina E","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Car finance
Karina E 3rd April 2026

Latest negative rating

1/5

WORST EXPERIENCE EVER WITH ZUTO A COMPLETE D...

WORST EXPERIENCE EVER WITH ZUTO – A COMPLETE DISASTER! I was approved by Zuto to buy a car on Saturday, 14/03/26. Everything was signed, verified,... WORST EXPERIENCE EVER WITH ZUTO – A COMPLETE DISASTER! I was approved by Zuto to buy a car on Saturday, 14/03/26. Everything was signed, verified, and confirmed all my documents, licence, proof, and agreement fully completed. I even paid a £100 deposit to take the car off the market. They asked if I wanted the funds sent early to the dealership, I said yes. They asked if I could collect the car on Tuesday the 17th, again I said yes. Everything seemed perfect — smooth process, easy communication… until Tuesday came. Over the weekend, I had already cancelled my insurance on the old car to use the NCB, purchased a new policy, and even bought some expensive upgrades for the new one. I drove 115 miles to the dealership, checked the car thoroughly, and was 100% happy, the dealer himself was brilliant, honest, and super patient. Then the nightmare began. The dealer hadn’t received the funds. I called Zuto, they told me their IT department was down but not to worry. Three hours later, they finally called back to say: “Sorry, due to IT issues, we’ve had to decline your application.” Just like that. After full approval, signed documents, verified ID, and days of preparation! They left me stranded, embarrassed, and completely out of pocket. Who’s paying for my fuel, my wasted time, my insurance changes, my 230-mile trip, and all the parts I bought for the car that I can’t even have now? Nobody. Just a weak "Sorry for the inconvenience.” This experience was beyond frustrating — it was infuriating, irresponsible, and unprofessional. If I could give zero stars, I would. WARNING TO OTHERS: Don’t trust Zuto’s “approval” until the money has actually reached the dealer. Their system failed me completely, and their so-called IT issue cost me hundreds of pounds and an entire weekend of stress. NEVER AGAIN WITH ZUTO. Read more Read less

{"display":"Dan M","full_name":"Dan M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Car finance
Dan M 18th March 2026

About Zuto

Zuto is a car finance credit broker based in Macclesfield in the UK.

In 2006, the founders set out with a mission to remove the complexity and hassle out of finding and financing a car. Zuto is passionate about matching people to a finance package that’s right for them.

Zuto’s predictive algorithms find finance packages for customers from over 80 lender products.

Zuto at a glance

Contact details

Phone
01625 619 944
Main address
Winterton House, Winterton Way, Macclesfield, SK11 0LP
Social media

Reviews for Zuto

Showing 11 of 300 company reviews Last reviewed within 7 days

Lawrence was very professional throughout.

Car finance 3rd April 2026

Lawrence was very professional throughout.

Rated Excellent 5/5
Read more product reviews

Very helpful and professional, quick response to tex...

Car finance 31st March 2026

Very helpful and professional, quick response to text messages

Rated Excellent 5/5
Read more product reviews
  • 1/5

    WORST EXPERIENCE EVER WITH ZUTO A COMPLETE D...

    WORST EXPERIENCE EVER WITH ZUTO – A COMPLETE DISASTER! I was approved by Zuto to buy a car on Saturday, 14/03/26. Everything was signed, verified,... WORST EXPERIENCE EVER WITH ZUTO – A COMPLETE DISASTER! I was approved by Zuto to buy a car on Saturday, 14/03/26. Everything was signed, verified, and confirmed all my documents, licence, proof, and agreement fully completed. I even paid a £100 deposit to take the car off the market. They asked if I wanted the funds sent early to the dealership, I said yes. They asked if I could collect the car on Tuesday the 17th, again I said yes. Everything seemed perfect — smooth process, easy communication… until Tuesday came. Over the weekend, I had already cancelled my insurance on the old car to use the NCB, purchased a new policy, and even bought some expensive upgrades for the new one. I drove 115 miles to the dealership, checked the car thoroughly, and was 100% happy, the dealer himself was brilliant, honest, and super patient. Then the nightmare began. The dealer hadn’t received the funds. I called Zuto, they told me their IT department was down but not to worry. Three hours later, they finally called back to say: “Sorry, due to IT issues, we’ve had to decline your application.” Just like that. After full approval, signed documents, verified ID, and days of preparation! They left me stranded, embarrassed, and completely out of pocket. Who’s paying for my fuel, my wasted time, my insurance changes, my 230-mile trip, and all the parts I bought for the car that I can’t even have now? Nobody. Just a weak "Sorry for the inconvenience.” This experience was beyond frustrating — it was infuriating, irresponsible, and unprofessional. If I could give zero stars, I would. WARNING TO OTHERS: Don’t trust Zuto’s “approval” until the money has actually reached the dealer. Their system failed me completely, and their so-called IT issue cost me hundreds of pounds and an entire weekend of stress. NEVER AGAIN WITH ZUTO. Read more Read less

    {"display":"Dan M","full_name":"Dan M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Dan M 18th March 2026
  • 5/5

    Absolutely recommend!

    Being disabled and on a low income I was really struggling to find an affordable option for a second hand car - Zuto and their... Being disabled and on a low income I was really struggling to find an affordable option for a second hand car - Zuto and their very friendly customer service team completely took all the anxiety out of the situation; they did all the 'running-around' for me, finding an affordable deal for a fantastic car for me without using any pushy sales tactics. There was no pressure to proceed if you were unsure, and they always rang back when they said they would. Read more Read less

    {"display":"Elizabeth M","full_name":"Elizabeth M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Elizabeth M 11th March 2026
  • 5/5

    Nice and easy, Ryan was really helpful and a sound...

    Nice and easy, Ryan was really helpful and a sound guy

    {"display":"Dan E","full_name":"Dan E","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Dan E 28th February 2026
  • 5/5

    Cole knew exactly what I was wanting by the favoured...

    Cole knew exactly what I was wanting by the favoured cars in the app and he got a car I really liked

    {"display":"John B","full_name":"John B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    John B 12th February 2026
  • 5/5

    Excellent service, great car knowledge and lots of p...

    Excellent service, great car knowledge and lots of patience! Thanks to Laurence =)

  • 5/5

    Great service

    Great service, Ben Donlevy who i dealt with was very helpful and made sure that I was 100% happy and comfortable with the vehicle before letting me commit.

    {"display":"Lewis Bowman","full_name":"Lewis Bowman","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1342645.png"}}'s avatar
    Car finance
    Lewis Bowman 4th February 2026
  • 5/5

    Laura had guided me from the start, providing update...

    Laura had guided me from the start, providing updates, advising me as needed and just being genuinley helpful throughout the whole process, Nikita also took... Laura had guided me from the start, providing updates, advising me as needed and just being genuinley helpful throughout the whole process, Nikita also took over and was helpful and thorough in the phone call I had with her. Read more Read less

    {"display":"Faye l","full_name":"Faye l","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Faye l 8th December 2025
  • 5/5

    Had a nice experience with this team and I will reco...

    Had a nice experience with this team and I will recommend this team to everyone that got doubts about to get a car. More importantly... Had a nice experience with this team and I will recommend this team to everyone that got doubts about to get a car. More importantly I thank Mr Laurence Benson he had been an excellent agent and even stayed after working hours to help me out so thanks again mate. Read more Read less

    {"display":"Miguel D","full_name":"Miguel D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Miguel D 5th December 2025
  • 5/5

    Easy from start to finish

    Spoke to Joshua Wilkes, very helpful and the process was completed efficiently. Great service

    {"display":"Rob S","full_name":"Rob S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Rob S 11th November 2025

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