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Zuto: Car finance reviews

Name: Car finance
Rating: 4.58 (292 reviews)

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4.72

Based on 292 reviews, last reviewed 8th Dec 2025

96% decrease in 5 star reviews

in the past 90 days

75% 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

Dan was great from start to finish.

Dan was great from start to finish. the process was very easy and nothing too much trouble Reviewed on: 18th September 2025

Very quick process and very informative.

Very quick process and very informative. Reviewed on: 18th September 2025

Very good and speedy highly recommend to others in t...

Very good and speedy highly recommend to others in the future Reviewed on: 17th September 2025

A massive thank you to Nikita for her patience and f...

A massive thank you to Nikita for her patience and for going above and beyond to get me sorted. Great customer service - I really appreciate it! Reviewed on: 17th September 2025

Quick and easy

Samantha Verdon was incredibly helpful and professional. The process was pretty simple.There was a system issue at one point and everyone made sure that the transaction went through without hitch. Reviewed on: 16th September 2025

Courteous, clear communication and friendly

Courteous, clear communication and friendly Reviewed on: 15th September 2025

I had a wonderful experience with Zuto thanks to the...

I had a wonderful experience with Zuto thanks to the help of a very kind and friendly lady. She was extremely supportive, patient and made the entire financing process simple and stress-free. I really appreciated her professionalism and the way she explained everything clearly. Thanks to her, I was able to get my financing done quickly and without any problems. Truly excellent service! Reviewed on: 15th September 2025

James was very helpful .

James was very helpful . Excellent customer service. Thank you Reviewed on: 15th September 2025

Life made easier by Cara

Cara was brilliant, answered all questions i needed answered and made life easier throughout and took all the stress away as this was a first time for me, i would highly recommend to use zuto again and would be lucky enough to get Cara for this Reviewed on: 14th September 2025

I had a fantastic experience with zuto quick efficie...

I had a fantastic experience with zuto quick efficient and very thorough- I spoke with Daniel Bates he was brilliant throughout all the process Reviewed on: 14th September 2025

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