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Zuto: Car finance reviews

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4.71
Based on 290 reviews, last reviewed 11th Nov 2025
7% increase in 5 star reviews
in the past 90 days
33% decrease in 1 star reviews
in the past 90 days
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Latest highest rating:

5

Easy from start to finish 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

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.

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Zuto Car finance reviews (290)

Very good interact .i am happy

5
Very good interact . I am happy to do finance Reviewed on: 4th August 2025
Vishnuvardhan Yarrapareddy 's avatar
Vishnuvardhan Yarrapareddy

Jamie gave knowledgeable, patient and excellent serv...

5
Jamie gave knowledgeable, patient and excellent service. Provided all the information I asked for and more! He’s a credit to the company. Thanks Reviewed on: 4th August 2025
Liam R's avatar
Liam R

No care when they have the money

1
Brilliant Upto the moment of signing finance agreement then trader then was rude and changed the deal so I said I did not want the car (within 12h of signing the paperwork ) now it has been 3 weeks and have called zuto everyday and they will say anything to get me off the phone and say will call me back but never do and say payments will defo be back tomorrow but never is or just say the trader won’t answer the phone. But they normally transfer me to to there team for recovering the funds but then the phone hangs up where I have been on hold so long.so now I’m 3 weeks in with no car and I’m paying the £382 a month . Reviewed on: 4th August 2025
Matt l's avatar
Matt l

Fantastic Service

5
My advisor Daniel Ross was brilliant from start to finish. Couldnt fault him. Managed to get my dream car an got a great warranty to protect it for 4 years. Give the man a raise! Reviewed on: 3rd August 2025
Steve P's avatar
Steve P

Great experience finding the right car.

5
Great experience finding the right car. The advisor looking after me was Sean mcavoy and was brilliant from start to finish. Never felt rushed into anything. Top man Reviewed on: 2nd August 2025
Ricky B's avatar
Ricky B

Sean McEvoy was great and helpful made the process v...

5
Sean McEvoy was great and helpful made the process very smooth. Reviewed on: 2nd August 2025
Christian Ziza's avatar
Christian Ziza

Despite my bad credit, Adam was very helpful and exp...

5
Despite my bad credit, Adam was very helpful and explained everything clearly from the start. Reviewed on: 1st August 2025
Liv's avatar
Liv

Cara was a great help and very patient, did as much...

5
Cara was a great help and very patient, did as much as she could to help me get my new car. Reviewed on: 1st August 2025
Luke A's avatar
Luke A

Worst purchase experience

1
hey were helpful in getting the finance sorted quickly, however I ended up buying a car from one of their trusted dealerships and the car is worth as much as a wheelbarrow. On the day of collection it broke down, I was left stranded on the M4 after recovery and had to make my own way back home. The car was returned being told it was fixed, it was not. 2 days later the car wont start and it is not the battery. The car is leaking fluids everywhere. I have contacted the finance company, Zuto and the dealer to take back the car and refund all my expenses as I no longer want the car within my 7 days and no one is getting back to me. Now I am financing, paying insurance and road taxing a car I cant drive. What a terrible experince. Avoid! Once they hav eyour money they do not help you further. Reviewed on: 9th July 2025
Phoebe Liebenberg's avatar
Phoebe Liebenberg

Absolutely Appalling Aftercare and Service

1
After arranging finance and purchasing a van and warranty through Zuto, the dealership sold the van without notice. I chose to cancel/postpone the purchase and asked Zuto to begin the unwind process. I was told it would take 3–5 days and that I’d be refunded for the warranty. Instead, I spent the next two months chasing them—calling repeatedly—only to be told the dealership hadn't returned the funds. Once that was resolved, I still wasn’t refunded for the warranty. More calls followed, only to be told it hadn’t been cancelled at all. To make matters worse, I then received an email claiming they couldn’t cancel the warranty because it had been over 14 days—even though I cancelled within 8. Only after berating customer service on a final call did someone finally take action and resolve it. This company has zero aftercare, held on to money owed to me for over two months, and their delay in cancelling the finance negatively impacted my credit score. Avoid at all costs—once they’ve made the sale, you’re on your own. Reviewed on: 1st June 2025
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Aristol A

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