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Zuto: Car finance reviews

Name: Car finance
Rating: 4.58 (309 reviews)

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4.58

Based on 309 reviews, last reviewed 29th Sep 2026

33% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

86%

2 star

10%

Latest highest rating:

5

Ive now used Zuto for my 2nd car and service was jus... Ive now used Zuto for my 2nd car and service was just as great as the first time, if not better. The process of requesting finance to getting it paid ... Read more Reviewed on: 29th September 2026

Latest lowest rating:

1

WARNING TO ANYONE BUYING A CAR THROUGH ZUTO & AUTOLE... WARNING TO ANYONE BUYING A CAR THROUGH ZUTO & AUTOLEND / LENDABLE I am writing this publicly because both Zuto (the broker) and AutoLend / Lendable L... Read more Reviewed on: 28th July 2026

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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.

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Zuto Car finance reviews (309)

Ive now used Zuto for my 2nd car and service was jus...

Ive now used Zuto for my 2nd car and service was just as great as the first time, if not better. The process of requesting finance to getting it paid to the dealer and getting be the best rates possible all too less than 24hrs so I’m super pleased. I had Rhys & Josh as my account managers and they were great Reviewed on: 29th September 2026

Found Zuto to be really helpful, easy & quick proces...

Found Zuto to be really helpful, easy & quick process over the phone, smooth & simple. Dan was really helpful and knowledgeable too and made it all straight forward Reviewed on: 9th August 2026

Everyone is helpful and clear all the doubts especia...

Everyone is helpful and clear all the doubts especially Ryan. From the beginning of the process onwards he helped me for finding the cars and document process and explains everything about the legal sides and about the car. Thanks to Ryan and Zuto for finding me this car and making the process easy. Thank you so much Reviewed on: 31st July 2026

WARNING TO ANYONE BUYING A CAR THROUGH ZUTO & AUTOLE...

WARNING TO ANYONE BUYING A CAR THROUGH ZUTO & AUTOLEND / LENDABLE I am writing this publicly because both Zuto (the broker) and AutoLend / Lendable Ltd (the finance lender) have formally REFUSED our legal right to reject a faulty vehicle, despite overwhelming evidence that the car is unfit for purpose and unroadworthy. We have now been stuck without a vehicle for 3 MONTHS while still being forced to pay monthly finance installments for a car sitting unusable in a yard. Here are the facts that neither Zuto nor AutoLend want the public to see: 1. The Law: Under the Consumer Rights Act 2015 and the Consumer Credit Act 1974, the finance company is legally responsible for the quality of the car. You cannot sell someone a vehicle that breaks down and wash your hands of it. 2. The Evidence: We provided full evidence, diagnostic reports, and proof of failure. Yet both Zuto and AutoLend have dragged their feet and ultimately refused our rejection. 3. The Human Impact: I am currently in a high-risk pregnancy. Because Zuto and AutoLend refuse to resolve this dispute or cancel the agreement, we have been left completely stranded. Just two weeks ago, I was forced to navigate multiple trains and taxis from Banbury to Oxford John Radcliffe Hospital for an urgent fetal heart scan for our baby—a journey that should have been a simple drive. To leave a heavily pregnant woman and her family with no working car, damaged credit, and 3 months of severe stress while continuing to take our money is disgraceful. We have officially escalated our case to the Financial Ombudsman Service (FOS) for emergency priority escalation due to severe vulnerability and material detriment. To Zuto and AutoLend: Clear my husband's credit file, cancel this finance contract, and collect this faulty car immediately. #Zuto #AutoLend #Lendable #CarFinance #ConsumerRights #CustomerServiceFail #FinancialOmbudsman #BadCustomerService #ConsumerCreditAct #RejectFaultyCar Reviewed on: 28th July 2026

So so pleased

Absolutely amazing, within 48 hours we’ve had everything all done and signed. Cars ready Saturday to pick up! Absolutely amazed at this company. So fast to help great customer service and go above and beyond for you in anyway they can. Reviewed on: 22nd July 2026

excellent customer service .

One of your team members, Charlie was excellent to work with great customer service & plenty of patience to find the right car that I wanted. Reviewed on: 5th May 2026

I have never, ever dealt with a worst company than Z...

I have never, ever dealt with a worst company than Zuto. They lead you up the garden path by saying that you have been approved, even providing a screenshot of the approval. Then make you take a day off work to travel over 100 miles each way to test drive the car, then take another day off to collect the car, but they didn’t happen. The reason it didn’t happen was due to the fact, the so called approval and acceptance they claimed they had was not true. So basically Daniel the sales person lied, yes blatantly lied. What he has done is immoral, illegal, without care, I don’t know how else to put it. Im taking legal action against Zuto for my costs incurred so far, and I will not let then get away with this ill treatment and disrespect for customers. Reviewed on: 21st April 2026

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

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, 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

Lawrence was very professional throughout.

Lawrence was very professional throughout. Reviewed on: 3rd April 2026

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Zuto: Car finance reviews

33% increase in 5 star reviews

50% decrease in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Zuto: Car finance now

Zuto Car finance reviews (309)

Ive now used Zuto for my 2nd car and service was jus...

Found Zuto to be really helpful, easy & quick proces...

Everyone is helpful and clear all the doubts especia...

WARNING TO ANYONE BUYING A CAR THROUGH ZUTO & AUTOLE...

So so pleased

excellent customer service .

I have never, ever dealt with a worst company than Z...

If the car breaks, you're on your own

extremely professional and good team, everything was...

Lawrence was very professional throughout.

Review Zuto: Car finance now

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