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Zuto: Car finance reviews

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4.69
Based on 298 reviews, last reviewed 18th Mar 2026
64% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
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Latest highest rating:

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 very friendly customer ... Read more Reviewed on: 11th March 2026
Elizabeth M's avatar
Elizabeth M

Latest lowest rating:

1

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, and... Read more Reviewed on: 18th March 2026
Dan M's avatar
Dan M
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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 (298)

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

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

5
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. Reviewed on: 8th December 2025
Faye l's avatar
Faye l

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

5
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. Reviewed on: 5th December 2025
Miguel D's avatar
Miguel D

Easy from start to finish

5
Spoke to Joshua Wilkes, very helpful and the process was completed efficiently. Great service Reviewed on: 11th November 2025
Rob S's avatar
Rob S

Great service from start to finish.

5
Great service from start to finish. Got things ready for me fast Reviewed on: 10th November 2025
Romero's avatar
Romero

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