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Zuto: Car Finance reviews

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2.99
Based on 113 reviews, last reviewed 1st Jun 2025
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Latest highest rating:

5

Zuto - Leave it in their hands I recently had the pleasure of working with Zuto to secure car finance, and I couldn't be more satisfied with the experience. From the outset, Zuto de... Read more Reviewed on: 24th May 2024
Vinney's avatar
Vinney

Latest lowest rating:

1

Absolutely Appalling Aftercare and Service After arranging finance and purchasing a van and warranty through Zuto, the dealership sold the van without notice. I chose to cancel/postpone the pur... Read more Reviewed on: 1st June 2025
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Aristol A
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Zuto Car Finance reviews (113)

DO NOT USE ZUTO AS YOUR FINANCE BROKER.

1
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
Gs S's avatar
Gs S

VILE

1
this company is a SCAM! they will take your money, sell you cars that come with MAJOR faults, then the treatment from the staff there customer service is appalling , the CEO James Wilkinson, has no compassion he just passes the book, and blames different departments, Imaging selling a customer a car, with engine failure, a hold in the gas cylinder, left hand hydraulics collapsed. then say the car is working in there report!!! please be aware, I will keep posting this voluntarily to support those who are thinking of giving these people business. Reviewed on: 6th January 2023
John Davidson's avatar
John Davidson

Disgusting company

1
Disgusting service!!! Have been struggling for 4 months to reject a car and have been ignored and given excuses since the beginning. Now they close my complaint saying they can't do anything, lying about the car already being repaired!!! I was forced to buy a new car and this is now being used as the reason for rejection!! This company has caused me months of stress and anxiety!!! Reviewed on: 24th November 2022
Eirini Gavaneli's avatar
Eirini Gavaneli

Shocking company

1
Matthew Ashurst 34 points REVIEWS PHOTOS EDITS Here are the reviews that you've posted publicly. You'll need the Google Maps app to edit or delete your reviews. Learn more 1 review · 1 rating Reviews aren't verified Zuto Winterton House, Winterton Way, Macclesfield SK11 0LP Absolute joke of a company, Tuesday the 15th of November all paperwork was filled out, signed and confirmation was sent over to myself to collect the vehicle, 3 hours later I was told I can't drive the vehicle as their employees haven't done the correct procedure, 5 days later the problem was rectified, again more paperwork signed and completed, received confirmation that the car can be picked up, drove down and had to wait another 2 hours to be told I can't pick the car up again. Complaint raised on 15/11/22 and was told 72 hours maximum to hear back, still haven't heard anything back from the original complaint...... currently going through the process of raising the complaint with the financial ombudsman and financial conduct authority as when I received confirmation I've already paid for tax, insurance and £1,000 deposit. Absolute time wasters and clearly don't train their staff. Avoid Reviewed on: 22nd November 2022
Matthew ashurst's avatar
Matthew ashurst

Bad partnerships with dealers, namely Coventry Sterling Motor Company Ltd

1
Zuto are guilty by association with Coventry Sterling Motor Company Ltd, they should relinquish their partnership with immediate effect, here is why My daughter was part exchanging her Kia Seed which admittedly was not in best shape, however having had an initial valuation of £800, to "hook you in" they then employ the usual dirtbag salesman tactics of being picky with scratches that were not previously reported as well as the usual, "I think the gearbox is a bit clunky" line.., the Part Ex "confirmed figure" is then reduced to £600, then £550, then £400 (when you are on the forecourt). Having travelled a 150 round mile trip and agreed the finance qin the week before we were knocked down to a final price on our part exchange to £425. My personal review is, Nayim, who is apparently a part owner of Coventry Sterling Motors Ltd has no class or customer sales integrity, he may have an extra £85 in his pocket tonight, and I am £85 lighter.., but at what cost? Avoid this garage at all costs The Car that was purchased is very nice, but was not described accurately either, which is a material infringement of trading standards Reviewed on: 15th October 2022
Dave Shepherd's avatar
Dave Shepherd

they advertise dodgy dealers

1
they will sell you the car very easily and fast . BUT WONT HELP YOU WHEN THINGS GO WRONG . CUSTOMERS SERVICES ARE USELESS AND WORK FOR THE DEALER NOT THE CUSTOMER. DONT WASTE YOUR TIME AND MONEY Reviewed on: 4th October 2022
Lee Needham's avatar
Lee Needham

Horrible customer service

1
They are very helpful until you purchase a car and arrange finance through them. However their customer service after the purchase is absolutely disgraceful. My car broke down 7 weeks ago and I still haven't received the refund on my finance. The dealership has accepted the rejection of the car and has refunded the money back to Zuto. They keep passing the ball around to the dealer and the lender but no intention of resolving it for the customer. You will also get a much better finance deal by going to a main dealer. Avoid them at all cost! Reviewed on: 1st October 2020
Hashan Dias's avatar
Hashan Dias

Car finance

5
They were informative, explained everything and literary within a couple of days from speaking with them, I received car finance and the money was in my bank within an hour, fantastic, thank you zuto Reviewed on: 29th April 2018
Mandy Attwell 's avatar
Mandy Attwell

No fuss fast service.

5
We contacted zuto on line we showed interest in a few cars then the same day zuto got us a great deal. No fuss, very professional service. I would highly recommend zuto. Reviewed on: 29th June 2017
Shelley Kaye's avatar
Shelley Kaye

Fantastic service

5
Rebecca who dealt with my application was great,very helpful not pushy and searched for a suitable lender for me.Rebecca also done checks on the company where the vehicle I was interested in buying from to check they were a reputable company,they then deal with payment so you have no worry of this .All you have to do is organise collection of your vehicle.i would definitely recommend to friends and family to try them Reviewed on: 28th June 2017
Sharon's avatar
Sharon

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