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Zuto reviews

Zuto logo
Rated Excellent 4.66/5

Zuto reviews

Verified business Last reviewed within 7 days
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • FCA approved and regulated
    FCA approved and regulated
  • On-line application and approval process
    On-line application and approval process
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website

Review summary

People rate this company as Excellent based on 303 product reviews

Average score of 4.66/5
5 star
87%
4 star
3%
3 star
0%
2 star
0%
1 star
10%
Reviews for Zuto have trended negatively over the past 90 days

Latest positive rating

5/5

extremely professional and good team, everything was...

extremely professional and good team, everything was organized and done according to the client's requests. I am very satisfied with this company, thanks to them... extremely professional and good team, everything was organized and done according to the client's requests. I am very satisfied with this company, thanks to them I am on the road with a new car with 0 percent deposit, thanks to you Zuto. thank you all and continue to delight your clients in the same way! Read more Read less

{"display":"Svetoslav F","full_name":"Svetoslav F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Car finance
Svetoslav F 10th April 2026

Latest negative rating

1/5

I have never, ever dealt with a worst company than Z...

I have never, ever dealt with a worst company than Zuto. They lead you up the garden path by saying that you have been approved,... I have never, ever dealt with a worst company than Zuto. They lead you up the garden path by saying that you have been approved, even providing a screenshot of the approval. Then make you take a day off work to travel over 100 miles each way to test drive the car, then take another day off to collect the car, but they didn’t happen. The reason it didn’t happen was due to the fact, the so called approval and acceptance they claimed they had was not true. So basically Daniel the sales person lied, yes blatantly lied. What he has done is immoral, illegal, without care, I don’t know how else to put it. Im taking legal action against Zuto for my costs incurred so far, and I will not let then get away with this ill treatment and disrespect for customers. Read more Read less

{"display":"TK ONE","full_name":"TK ONE","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1535503.png"}}'s avatar
Car finance
TK ONE 21st April 2026

About Zuto

Zuto is a car finance credit broker based in Macclesfield in the UK.

In 2006, the founders set out with a mission to remove the complexity and hassle out of finding and financing a car. Zuto is passionate about matching people to a finance package that’s right for them.

Zuto’s predictive algorithms find finance packages for customers from over 80 lender products.

Zuto at a glance

Contact details

Phone
01625 619 944
Main address
Winterton House, Winterton Way, Macclesfield, SK11 0LP
Social media

Reviews for Zuto

Showing 11 of 303 company reviews Last reviewed within 7 days

I have never, ever dealt with a worst company than Z...

Car finance 21st April 2026

I have never, ever dealt with a worst company than Zuto. They lead you up the garden path by saying that you have been approved,... I have never, ever dealt with a worst company than Zuto. They lead you up the garden path by saying that you have been approved, even providing a screenshot of the approval. Then make you take a day off work to travel over 100 miles each way to test drive the car, then take another day off to collect the car, but they didn’t happen. The reason it didn’t happen was due to the fact, the so called approval and acceptance they claimed they had was not true. So basically Daniel the sales person lied, yes blatantly lied. What he has done is immoral, illegal, without care, I don’t know how else to put it. Im taking legal action against Zuto for my costs incurred so far, and I will not let then get away with this ill treatment and disrespect for customers. Read more Read less

Rated Terrible 1/5
Read more product reviews

If the car breaks, you're on your own

Car finance 14th April 2026

Setting up a PCP car finance plan with Zuto is easy. They do most of the work including negotiating with the car dealer. This part... Setting up a PCP car finance plan with Zuto is easy. They do most of the work including negotiating with the car dealer. This part of the experience is very good. However, if something goes wrong with the car you really are on your own. My engine suffered a catastrophic failure with a repair bill of £7000. Zuto nor the finance company offered any help (even though technically the car is still owned by the finance company until the last balloon payment is paid and the fault is a known weakness in this type of engine so was present at the time of purchase.) Zuto tried to refute the findings of the independent engine inspection report I had completed, blaming me for lack of maintenance causing the oil pump to fail, then when I corrected them with the evidence, I was told by Zuto that my independent engine report was actually insufficent and they told me that I needed to get a different type of report completed (at my further cost). So, I do not own the car, the engine repair bill is mine to bear and neither Zuto nor the finance company are prepared to do anything about it. Thanks! Read more Read less

Rated Terrible 1/5
Read more product reviews
  • 5/5

    extremely professional and good team, everything was...

    extremely professional and good team, everything was organized and done according to the client's requests. I am very satisfied with this company, thanks to them... extremely professional and good team, everything was organized and done according to the client's requests. I am very satisfied with this company, thanks to them I am on the road with a new car with 0 percent deposit, thanks to you Zuto. thank you all and continue to delight your clients in the same way! Read more Read less

    {"display":"Svetoslav F","full_name":"Svetoslav F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Svetoslav F 10th April 2026
  • 5/5

    Lawrence was very professional throughout.

    Lawrence was very professional throughout.

    {"display":"Karina E","full_name":"Karina E","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Karina E 3rd April 2026
  • 5/5

    Very helpful and professional, quick response to tex...

    Very helpful and professional, quick response to text messages

    {"display":"Matthew I","full_name":"Matthew I","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Matthew I 31st March 2026
  • 1/5

    WORST EXPERIENCE EVER WITH ZUTO A COMPLETE D...

    WORST EXPERIENCE EVER WITH ZUTO – A COMPLETE DISASTER! I was approved by Zuto to buy a car on Saturday, 14/03/26. Everything was signed, verified,... WORST EXPERIENCE EVER WITH ZUTO – A COMPLETE DISASTER! I was approved by Zuto to buy a car on Saturday, 14/03/26. Everything was signed, verified, and confirmed all my documents, licence, proof, and agreement fully completed. I even paid a £100 deposit to take the car off the market. They asked if I wanted the funds sent early to the dealership, I said yes. They asked if I could collect the car on Tuesday the 17th, again I said yes. Everything seemed perfect — smooth process, easy communication… until Tuesday came. Over the weekend, I had already cancelled my insurance on the old car to use the NCB, purchased a new policy, and even bought some expensive upgrades for the new one. I drove 115 miles to the dealership, checked the car thoroughly, and was 100% happy, the dealer himself was brilliant, honest, and super patient. Then the nightmare began. The dealer hadn’t received the funds. I called Zuto, they told me their IT department was down but not to worry. Three hours later, they finally called back to say: “Sorry, due to IT issues, we’ve had to decline your application.” Just like that. After full approval, signed documents, verified ID, and days of preparation! They left me stranded, embarrassed, and completely out of pocket. Who’s paying for my fuel, my wasted time, my insurance changes, my 230-mile trip, and all the parts I bought for the car that I can’t even have now? Nobody. Just a weak "Sorry for the inconvenience.” This experience was beyond frustrating — it was infuriating, irresponsible, and unprofessional. If I could give zero stars, I would. WARNING TO OTHERS: Don’t trust Zuto’s “approval” until the money has actually reached the dealer. Their system failed me completely, and their so-called IT issue cost me hundreds of pounds and an entire weekend of stress. NEVER AGAIN WITH ZUTO. Read more Read less

    {"display":"Dan M","full_name":"Dan M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Dan M 18th March 2026
  • 5/5

    Absolutely recommend!

    Being disabled and on a low income I was really struggling to find an affordable option for a second hand car - Zuto and their... Being disabled and on a low income I was really struggling to find an affordable option for a second hand car - Zuto and their very friendly customer service team completely took all the anxiety out of the situation; they did all the 'running-around' for me, finding an affordable deal for a fantastic car for me without using any pushy sales tactics. There was no pressure to proceed if you were unsure, and they always rang back when they said they would. Read more Read less

    {"display":"Elizabeth M","full_name":"Elizabeth M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Elizabeth M 11th March 2026
  • 5/5

    Nice and easy, Ryan was really helpful and a sound...

    Nice and easy, Ryan was really helpful and a sound guy

    {"display":"Dan E","full_name":"Dan E","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    Dan E 28th February 2026
  • 5/5

    Cole knew exactly what I was wanting by the favoured...

    Cole knew exactly what I was wanting by the favoured cars in the app and he got a car I really liked

    {"display":"John B","full_name":"John B","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car finance
    John B 12th February 2026
  • 5/5

    Excellent service, great car knowledge and lots of p...

    Excellent service, great car knowledge and lots of patience! Thanks to Laurence =)

  • 5/5

    Great service

    Great service, Ben Donlevy who i dealt with was very helpful and made sure that I was 100% happy and comfortable with the vehicle before letting me commit.

    {"display":"Lewis Bowman","full_name":"Lewis Bowman","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1342645.png"}}'s avatar
    Car finance
    Lewis Bowman 4th February 2026

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