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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

90% 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

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 also took over and was helpful and thorough in the phone call I had with her. Reviewed on: 8th December 2025

Had a nice experience with this team and I will reco...

Had a nice experience with this team and I will recommend this team to everyone that got doubts about to get a car. More importantly I thank Mr Laurence Benson he had been an excellent agent and even stayed after working hours to help me out so thanks again mate. Reviewed on: 5th December 2025

Easy from start to finish

Spoke to Joshua Wilkes, very helpful and the process was completed efficiently. Great service Reviewed on: 11th November 2025

Great service from start to finish.

Great service from start to finish. Got things ready for me fast Reviewed on: 10th November 2025

Outstanding service

James Williamson was very helpful and kept me up to date with all aspects of the deal. Reviewed on: 22nd October 2025

Brilliant customer service easy to do and lovely to...

Brilliant customer service easy to do and lovely to talk to. Very reasonable prices aswell as great value for money. Cars are always spot on. Reviewed on: 13th October 2025

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 their cars for sale. Also the car can't be older than 13 years old at the end of your loan and not have more than 100,000 on the clock when you buy it Reviewed on: 5th October 2025

Jake went above and beyond to help me sort a car tha...

Jake went above and beyond to help me sort a car thank you he’s a credit to your team Reviewed on: 30th September 2025

Sean was amazing and friendly, making the process en...

Sean was amazing and friendly, making the process enjoyable and stress free. Reviewed on: 30th September 2025

My experience is pleaseant and smooth...

My experience is pleasant and smooth and dealt with my inquiries professionally. Reviewed on: 30th September 2025

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