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Zuto: Car finance reviews

Name: Car finance
Rating: 4.58 (292 reviews)

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4.73

Based on 292 reviews, last reviewed 8th Dec 2025

97% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

87%

2 star

10%

Latest highest rating:

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 als... Read more Reviewed on: 8th December 2025

Latest lowest rating:

1

What Zuto doesn't tell you What Zuto don't tell you is you can't take out finance with them and buy a car from a private seller, has to be from a dealer and preferably one of th... Read more Reviewed on: 5th October 2025

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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.

Zuto Car finance reviews (292)

Review of the Zuto, Car finance:

DO NOT USE ZUTO AS YOUR FINANCE BROKER.

Don't use Zuto - Appalling after sales care. I'm kicking myself for not checking the reviews before contacting Zuto. BEWARE OF USING ZUTO - read my experience before signing on the dotted line. Sadly my experience of Zuto is that they are horrendously appalling. After sales care is non existent. Kept in touch until payment made for car. Now there is an issue, no one answers the phone. Promises for call back broken. Complaints not logged. Given incorrect information. Really bad experience. They don't even tell you upfront that calls are recorded. Here is the update on the Zuto saga. Complaint one. The car specialist Adam Crew was very friendly and from the first call on Monday 9th January 23, he said that I could be driving away in my new car by Saturday 14th. Pushed hard from day one to take out their warranty. I told him I didn't want to pay a deposit, then I got told on Thursday 13th that I had to pay almost a £600 deposit. Throughout the week we discussed collecting the vehicle on Saturday 14th and I was told twice that the dealer did not offer drive away insurance, so I was responsible to sort. Which I did (3 days temp insurance). Only to find out on the Saturday, from the dealer that the payout would not be until Monday 16th. When I spoke to Alex in processing on the Saturday 14th she said not to worry the lender does Saturday payouts. Well the 14th came and went with no payout. Called Zuto on the 16th for a refund of the cost of the temporary insurance. I was then told that they didn't categorically say the payout would be on Saturday. The problem was that they didn't say anything about the payout. So since then I've been back and forth - told different things. No one wants to take responsibility for the misinformation and expect me to be out of pocket after i incurred expenses based on the inform received from Zuto. Finally 30th January 23 spoke to Dexter Harris in complaints and he said he couldn't see anything logged on the system, but he will check. I then get an email from Dexter saying that, it was investigated and now closed. However, no one had spoken to me during the investigation or informed me of the outcome. When I called to discuss the email Luke said that they had selected a call and not listened to all calls and didn't hear anything guaranteeing a Saturday payout. Today 31st spoke to Dexter, he tells me that I can get the call transcripts which will take 30 days to sort out. Dexter refused to tell me who supposedly listened to the calls and refused to put me through to a manager. I have been fobbed off by Zuto on all fronts and they consistently lie and refuse to deal honestly with the complaints. I can understand why they have a backlog of complaints going back to Christmas Complaint 2. The car was finally collected on the 21st January, whilst driving back, the car wouldn't go into gear or neutral. Had to switch the engine off and restart the car. Approximately a 5 mile journey. Called the dealer and sent a message. Got no response. Called Zuto on the Monday 23rd, told that Adam would contact the dealer Mayfair Motor Solutions Ltd (Marble Arch) avoid at all cost unless you are buying a prestige car. As usual no call back from Zuto. Dealer sends a mobile mechanic in the evening who said the clutch had gone, leaking slaves and stiff gears. Car under warranty and dealer refused a courtesy car or to do the repairs - told Zuto that I burnt out the clutch. So now I have to wait for an ACE inspection, Zuto sent the request on the 27th January. I would recommend that you get everything in writing from Zuto, they can not be trusted. This a true and accurate account of my experience. Reviewed on: 31st January 2023

Adam helm was a brilliant help in finding me a vehic...

Adam helm was a brilliant help in finding me a vehicle and explaining the process and costing in full! Thank you! Reviewed on: 2nd September 2025

Adam is excellent

My experience with zuto was a smooth process. Adam dealt with my application promptly and with excellent customer service. There were many vehicle options to suit my need and Adam dealt directly with the dealer, explained my finance options to me clearly, and secured finance on my 1st choice car. Thank you Reviewed on: 1st September 2025

Amazing customer service

Laura Williamson has been so amazing with helping me find a car, nothing was to much trouble and fast response to all emails. Kept me updated with all details as an when needed quick an smooth process. Reviewed on: 1st September 2025

Excellent customer suppot

Help to clear my finance for my vehicle. Really easy and very happy about the service Reviewed on: 31st August 2025

Jamie was amazing from start to finish!

Jamie was amazing from start to finish! Every time I called the phone was answered straight away and everyone at Zuto are great and extremely helpful. Very happy with my new car! Reviewed on: 30th August 2025

Sean & the team was excellent from start to finish.

Sean & the team was excellent from start to finish. Reviewed on: 30th August 2025

Dan was great!

Dan was great! Made it a very simple process and explained everything with great clarity. I went to view cars this morning not sure of when I could have finance arranged but it was quick and simple. Thanks Dan (give this guy a raise!) Reviewed on: 30th August 2025

A very quick and amazing service

I was very pleased with how quick , efficient using zuto was. Samantha was so helpful and on the case which helped make this process easy. I was working so the fact it was so quick and easy was great. Thank you. Reviewed on: 30th August 2025

Quick and easy and very helpful staff.

I wasn't sure which car I wanted and Daniel Ross was so understanding and patient with me, he gave me some time to think about which car I wanted to buy and he gave me a call the next day to find out if I had made a decision, he was so quick with all the paper work and it was all done within a day.I'm very happy with the service I got will definitely recommend it to friends and family. Reviewed on: 30th August 2025

The customer service was top not.

The customer service was top not. Special Sean McEvoy, he was so much helpful. Totally wonderful service from him. Reviewed on: 29th August 2025

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