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19.8% APR Representative. Terms & Conditions
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If you're aged 18 or over you can apply.
This can help us to trace your credit history.
This is your monthly income after tax. We need this so we can find an affordable finance plan for you.
Thank you for supplying the required address history
Thank you for supplying the required employment history
As part of our service to you we’ll contact you about your application to keep you updated.
We want you to be the first to know about offers and other relevant information from Zuto. This will be related to vehicle finance or your vehicle, with occasional information from our partners. Let us know how you’d like us to contact you:
If none of our lenders can find you a solution, can we pass your details onto one of our trusted partners who may contact you to help progress your application?
Our partners are Bletchley Car Supermarket Ltd, RightDrive (UK) Ltd, Quick Car Credit, CR Services Ltd, Target Car Supermarket, Motor Connect Ltd, Mondial Cars, Concept Car Credit, Ucan Financial Services, TMAC Car Centre, The World Of Cars, Parks Motor Company, ESN Cars and FowlersFinance.com Ltd. We will only share your data with one partner.
We do our best to ensure that the information on the Site is accurate and helpful at all times. However, the information is general in nature, and is intended as a guide only to the types of products and services offered by Zuto. Users are advised to consult with Zuto and to check any product or service information for specific information.
You must not under any circumstances seek to undermine the security of the Site or any information submitted to or available through it. In particular, but without limitation, you must not seek to access, alter or delete any information to which you do not have authorised access, seek to overload the system via spamming or flooding, take any action or use any device, routine or software to crash, delay, damage or otherwise interfere with the operation of this Site or attempt to decipher, disassemble or modify any of the software, coding or information comprised in the Site. You are solely responsible for any information submitted by you to our site. You are responsible for ensuring that all information supplied by you is accurate, up-to-date and not misleading or likely to mislead or deceive.
This Site may include links to other websites which are not owned, operated, or controlled by Zuto ("Third Party Websites"). Zuto provides you with such links solely for your convenience. The inclusion of such links does not mean or imply that Zuto endorses the Third Party Websites, its availability or contents or any agreement or understanding you enter into with a third party through a Third Party Website. Zuto does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you in respect of these Third Party Websites.
Use of this Site, Third Party Websites, links to the Third Party Websites, and any information available via the Site is at your own risk. To the maximum extent permitted by law Zuto disclaims all liability whatsoever, whether arising in contract, tort (including negligence) or otherwise in relation to this Site, Third Party Websites, links to Third Party Websites, and information available via the Site.
We do our best to ensure that the Site operates properly at all times, but we make no warranties as to the availability or accessibility of the Site, and (save as otherwise set out in these Terms and Conditions) we will not be liable for any damages, loss, costs or expenses incurred by you as a result of any lack of availability or accessibility of the Site.
Zuto will not be liable, in contract, tort (including, without limitation, negligence), under statute or otherwise, as a result of or in connection with this Site, any Third Party Websites, links to Third Party Websites, the information or any products or services offered on or through this Site or Third Party Website, whether by Zuto or on its behalf, for any:
economic loss (including, without limitation, loss of revenues, profits, contracts, business or anticipated savings); or
loss of goodwill or reputation; or
special or indirect or consequential loss.
If Zuto is liable to you directly or indirectly in relation to this Site, any Third Party Websites, links to Third Party Websites, information on the Site or any products or services offered on or through this Site or Third Party Website, that liability (howsoever arising) shall be limited to £100.
Zuto will not be liable for any loss, damage, expense, costs, delays or other liability whatsoever (including without limitation any financial losses such as loss of profit) which you may incur as a result of any event beyond our reasonable control (including without limitation any failure of transmission, communication, computer or other facilities or your inability to access the Site for any reason or any failure, error or delay in the sending or receiving of any notice or communication or instruction through the post or any electronic medium).
Nothing in these Terms and Conditions shall be construed as excluding or limiting the liability of Zuto or its group companies for death or personal injury caused by its negligence or for any other liability which cannot be excluded by English law.
Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.
These Terms and Conditions (as amended from time to time) constitute the entire agreement between you and Zuto concerning your use of this Site and supersede any previous arrangement, agreement, undertaking or proposal, written or oral between you and Zuto in relation to such matters. Zuto reserves the right to update these Terms and Conditions from time to time. If it does so, the updated version will be effective as soon as it is uploaded on to this Site and your continued use of the Site will constitute your acceptance of such updated Terms and Conditions. No other variation to these Terms and Conditions shall be effective unless in writing and signed by an authorised representative on behalf of Zuto. You should check the Terms and Conditions periodically to ensure that you are aware of and complying with the current version.
These Terms and Conditions shall be governed by and construed in accordance with English law and you agree to submit to the exclusive jurisdiction of the English Courts. If any provision(s) of these Terms and Conditions is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties and all other provisions shall remain in full force and effect. Zuto's failure to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Zuto in writing. Unless otherwise expressly stated, nothing in the Terms and Conditions shall create any rights or any other benefits whether pursuant to the Contracts (Rights of Third Parties) Act 1999 or otherwise in favour of any person other than you, Zuto and its group of companies.
At times we may request that you voluntarily supply us with personal information which may include sensitive personal information such as employment details, salary, bank account details and proof of ID. Generally this information is requested when you apply for our products and/or services.
We may gather and use information about you in the following ways:
We may also send you information from selected Zuto Partners, detailed below:
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
Please contact us at the address shown below if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use, from other countries, the information recorded by fraud prevention agencies.
We may ask credit reference agencies to provide a credit scoring computation. Credit scoring uses a number of factors to work out risks involved in any application. A score is given to each factor and a total score obtained. Where automatic credit scoring computations are used, acceptance or rejection of your application will not depend only on the results of the credit scoring process.
Another person’s records will be ‘associated’ with you, by us and/or credit grantors, when: 1. You make a joint application 2. You advise us of a financial association with another person 3. The credit reference agencies have existing linked or ‘associated’ records This ‘association’ will link your records at the credit reference agencies and will be taken into account in all future applications by either or both of you. This shall continue until one of you applies to the credit reference agencies and is successful in filing a ‘disassociation’. You MUST therefore ensure when making a joint application or advising us of some other financial association that you are entitled to: 1. Disclose information about your joint application 2. Authorise us to search, link or record information at a credit reference agency/ies about you and anyone referred to by you.
We may disclose personal data in order to comply with a legal or regulatory obligation.
We may keep your information for a reasonable period for these purposes.
By providing us with your personal information you consent to our processing your personal information for the above purposes. You also consent to our transferring your information to countries or jurisdictions which do not provide the same level of data protection as the UK, if necessary, for the above purposes. If we do make such a transfer, we will, if appropriate, put a contract in place to ensure your information is protected.
Cookies do a number of different jobs such as remembering your preferences and chosen items, assisting you to improve your site experience as well as trying to ensure that the adverts or offers you see online are more relevant to you. To find out about specific cookies we use on our site, please see below.
The cookies can be categorised as follows:
These cookies are essential in order to enable you to move through the Website and use its features.
For those types of cookies that are strictly necessary no consent is required.
These cookies collect anonymous information on how our customers use the site and the data is merged with other users to enable us to improve how the site operates. We utilise Google Analytics cookies to help us understand how customers arrive and browse our site and highlight where we can improve areas such as navigation, customer experience and marketing campaigns. The data stored by these cookies is anonymised and never shows personal details from which your individual identity can be established. By using our site, you accept the use of "Performance Cookies". Accepting these cookies is a condition of the web site so if you prevent them we cannot guarantee how our site will perform for you.
These cookies allow the Website to remember choices you make (for example the loan amount, credit score and repayment period selected when using the Car Finance Calculator) and provide enhanced, more personal features. These cookies enable us to provide you with an experience more appropriate with your selections and make the visits more tailored and pleasant. By using the Website, you agree that we can place these types of cookies on your device.
These cookies collect information about your browsing habits in order to make advertising relevant to you and your interests. They remember the websites you have visited and that information is shared with other parties such as advertisers.
You can change the settings on your browser to prevent cookies being stored on your computer/mobile device without your explicit consent. Your browser "help" section will normally provide details on how to manage the cookie settings. However, if you use your browser settings to block all cookies, you may not be able to access all or parts of our site.
We use Google Analytics to track your preferences and also to identify popular sections of our Website. Use of Google Analytics in this way, enables us to adapt the content of our Website more specifically to your needs and thereby improve what we can offer to you.
If you do not wish for us to collect and analyse statistical data related to your Website visit you may object to the future use of your data at any time (known as an "opt-out").
In order to implement your objection it is necessary to install an opt-out cookie on your browser. This cookie will only indicate that you have opted out.
It is important to note, that for technical reasons, the opt-out cookie will only affect the browser from which you actively object from. If you delete the cookies in your browser or use a different end device or browser, you will need to opt out again. For further information about the use of these cookies by Google click here
We use Key Stroke Recording technology on our Website. This technology records the information you fill in on the application form, as you fill it in. If you do not proceed to submit your application, we may contact you using the contact details you added on the application form, to see if you would like to complete your application.
If you do not wish to receive marketing information from us or the Zuto Partners listed above, other than on the goods and/or services which you have requested information about, please DO NOT tick the relevant boxes when submitting your personal information by application. Alternatively, please contact us using the details below or simply unsubscribe from any email that is sent to you by Zuto (which will be located at the bottom of the email).
Where you have agreed, we may share your information with our business partners for marketing purposes or we may send you information about other organisations' goods and services. We may contact you by mail, telephone, fax, email or other electronic messaging service with offers of products, services or information that may be of interest to you. If you do not wish to receive marketing information from us or our business partners, other than on the goods and/or services which you have requested information about, please indicate this when submitting your personal information or contact us using the details below.
We take appropriate measures to ensure that the information disclosed to us is kept secure, accurate and up to date.
We will only keep your information for as long as we reasonably need it, which may include:
You should note that if our business (or any part of it) is sold or transferred at any time, the information we hold may form part of the assets transferred although your personal information will still only be used in accordance with this policy. We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time so you are encouraged to review this policy from time to time. We will, of course, notify you of any changes where we are required to do so.
You are entitled to the following in relation to your data:
In order to request any of the above, please either email firstname.lastname@example.org or call the number below. To make a complaint, please visit our complaints policy and procedure here:
Should you wish to unsubscribe from Zuto emails, please click the unsubscribe link at the bottom of every Zuto email. For quality control and training purposes, we may monitor or record your communications with us.
If your personal information changes, if you change your mind about any of your marketing preferences or if you have any queries about how we use your information, please let us know by contacting our mailing exclusion team at:
email@example.com 01625 619 944