Zuto
Little Loans is a credit broker, working with a large panel of lenders and partners who offer loans and alternative products.
If you’re looking to finance a car purchase, our partner Zuto could help you search for a suitable option.
Who is Zuto
Zuto is a car finance credit broker, based in Macclesfield, Cheshire.
Originally launched in 2006, Zuto used to go by the name Car Loan 4U. Since then, the company’s name has changed but their mission stays the same: “We promise to make financing a car simple.”
Zuto have twice made the Sunday Times’ list of Best Companies to Work For.
Is Zuto authorised and regulated by the Financial Conduct Authority (FCA)?
Yes. You can find their company information on the FCA register here.
What is car finance?
As the name suggests, car finance is a way to spread the cost of paying for a car.
Car finance may work like a standard loan, in that you borrow money and then pay it back in instalments, including interest.
There are different types of car finance available; the most common being Personal Contract Purchase (PCP); Hire Purchase (HP); and a personal loan.
How much money can I search for with Zuto?
The amount of money you could be able to borrow will depend on your financial situation.
Don’t forget, you should never apply to borrow more money than you need to.
What representative Annual Percentage Rate (APR) does Zuto advertise?
Zuto is a credit broker, not a lender. In regard to APR, Zuto have included the following information on their website:
"Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 19.0% the amount payable would be £201 a month, with a total cost of credit of £4,064 and a total amount payable of £12,064."
How does Zuto work?
1. When you initially apply for car finance at Zuto, they’ll carry out a soft search with no impact to your credit score and provide you with a provisional decision in just 60 seconds.
2.If Zuto’s provisional decision shows that you could be approved for car finance and you’d like to progress to the next stage, you will need to undergo a hard search. Please be aware that a hard search will remain on your credit file for up to 12 months, and multiple hard searches within a short period of time will damage your credit score.
3. If your application is approved, you can browse through thousands of cars. Zuto will complete a complimentary vehicle and history check on any car you like. Once you’ve found your dream vehicle, you can complete the paperwork.
4. Zuto will handle the payment with the dealer. The money you’ve borrowed will be repaid in instalments. Please note that your repayments will include interest.
Who can apply at Zuto?
You can apply at Zuto if you:
- Are over the age of 18; and
- Have lived in the UK for more than three years.
You don’t have to be a homeowner to apply with Zuto, and self-employed workers are also welcome to use their service.
Where can I find Zuto reviews?
You can read through customer reviews on Zuto’s Trustpilot page.
As of March 2025, Zuto is rated ‘excellent’ on Trustpilot. They have over 32,200 reviews, and 89% of these are 5*.
Why have I been matched with Zuto?
When searching for a loan with Little Loans, did you specify that your reason for seeking funds was to cover the cost of a car purchase?
If so, this might explain why you have been matched with Zuto.
Will car finance affect my credit score?
Yes. Car finance, like all types of credit, will affect your credit score.
When you apply for car finance directly with a lender, they will run a hard search on your financial history. This will leave a mark on your credit file and will be visible to any other company who views your information. Multiple hard searches within a short period of time will cause your credit score to decline.
A late or missed repayment will be reported to the credit reference agencies (CRAs) and will damage your credit score.
If you repay the money you owe on time each month, alongside effectively managing any other existing credit commitments, you could see an increase in your credit score over time.
How can I contact Zuto?
Zuto can be contacted on 01625 619 944.
Their telephone lines are in operation during the following hours:
- Monday to Thursday – 9am – 8pm
- Friday – 9am – 7pm
- Saturday – 9am – 6pm
- Sunday – 10am – 6pm
You can also get in touch by filling in their online form.
Where can I find out more about Zuto?
You can find out more about Zuto on their website. If you have any queries, you might find their comprehensive question and answer and car finance glossary pages useful.
Need to speak to Little Loans?
If you have a question relating to the loan search you carried out on little-loans.com, you can contact our friendly team here. They will be on hand to help you from Monday to Friday, between 9am and 5pm.
I’m worried about money; what can I do?
If you’ve borrowed credit and are struggling to make your repayments, you should contact your lender as soon as possible.
For free, confidential money and debt advice, please consider reaching out to StepChange, MoneyHelper, Citizens Advice, or National Debtline.
This article was updated in March 2025; all information was correct at the time of writing.
Straight forward
“Easy pleasant service, quick decision and easy account management.”
Laurissa Marsden
Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender