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Zuto: Car finance reviews

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4.68
Based on 302 reviews, last reviewed 14th Apr 2026
60% increase in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
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Latest highest rating:

5

extremely professional and good team, everything was... extremely professional and good team, everything was organized and done according to the client's requests. I am very satisfied with this company, tha... Read more Reviewed on: 10th April 2026
Svetoslav F's avatar
Svetoslav F

Latest lowest rating:

1

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 i... Read more Reviewed on: 14th April 2026
Neil C's avatar
Neil C
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About this product

Zuto is a car finance credit broker.

Once you’ve filled out the online application, you’ll get a quick decision. Zuto search a panel of lenders to find the best deal for you and have access to over 200 products including some that aren't available anywhere else. Zuto also run a free vehicle and history check on any car you like.

Zuto car finance reviews help you find out what it’s really like to be a customer. If you’ve used Zuto before, you can also leave a review and share your experience.

Review Zuto: Car finance now

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Zuto Car finance reviews (302)

If the car breaks, you're on your own

1
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
Neil C's avatar
Neil C

extremely professional and good team, everything was...

5
extremely professional and good team, everything was organized and done according to the client's requests. I am very satisfied with this company, thanks to them I am on the road with a new car with 0 percent deposit, thanks to you Zuto. thank you all and continue to delight your clients in the same way! Reviewed on: 10th April 2026
Svetoslav F's avatar
Svetoslav F

Lawrence was very professional throughout.

5
Lawrence was very professional throughout. Reviewed on: 3rd April 2026
Karina E's avatar
Karina E

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

5
Very helpful and professional, quick response to text messages Reviewed on: 31st March 2026
Matthew I's avatar
Matthew I

WORST EXPERIENCE EVER WITH ZUTO A COMPLETE D...

1
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. Reviewed on: 18th March 2026
Dan M's avatar
Dan M

Absolutely recommend!

5
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. Reviewed on: 11th March 2026
Elizabeth M's avatar
Elizabeth M

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

5
Nice and easy, Ryan was really helpful and a sound guy Reviewed on: 28th February 2026
Dan E's avatar
Dan E

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

5
Cole knew exactly what I was wanting by the favoured cars in the app and he got a car I really liked Reviewed on: 12th February 2026
John B's avatar
John B

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

5
Excellent service, great car knowledge and lots of patience! Thanks to Laurence =) Reviewed on: 6th February 2026
Leanne Skolosdra's avatar
Leanne Skolosdra

Great service

5
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. Reviewed on: 4th February 2026
Lewis Bowman's avatar
Lewis Bowman

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