Financing made simple with YesAuto

Customise your finance terms

Apply online with no impact to your credit score

Browse and select the best finance deals

Financing with YesAuto

YesAuto displays the monthly price up front (based on the representative APR) as you search for your perfect car. You can adjust the price calculator on our adverts to match your specific needs and budget.

YesAuto offers vehicles on PCP, HP or CS depending on what is offered by the car dealer.

If you have not found your perfect car yet, but still want to find out how much you can borrow, you can go to our finance calculator and get a finance quote from our partner, Zuto.

Zuto will search over 80 finance options from 18 lenders, to try and find something you’re going to be happy with. There's no pressure and it's all free. You don't even need to have a car in mind. So, you could get pre-approved, then go and track down the car you want.

Applying is easy with their quick, online application form. And signing and sending important documents is simple with Zuto's online "My Zuto" account area.

zuto car finance

How does it work ?

  • 1. Apply online

    Complete a quick and easy online application form which won’t impact your credit score. You’ll get a decision within minutes and one of Zuto’s car buying experts will be in touch.

  • 2. Buy with confidence

    Zuto even run a free vehicle and history check on any car you’re looking at so you can buy with confidence.

  • 3. Get on the road

    Once you’re happy with the finance offer, and the lender has done their final checks, Zuto will pay the dealer so all you need to do is pick up the car and drive away.

View finance deals from popular brands

Types of car finance available

Personal contract purchase (PCP)

Personal contract purchase is a loan paid off in monthly instalments, after putting down an initial deposit. Your monthly payments will not pay off the value of the car, but at the end of the loan period you can pay the remaining balance in what’s called a balloon payment. Alternatively, you can hand the car back or start another agreement.

Hire purchase (HP)

With a hire purchase loan you pay an initial deposit then pay off the remaining value of the car - plus some interest - spread across monthly payments. At the end of the loan term you own the car, although you will probably have to pay a small ‘option to purchase’ fee.

Personal contract hire (PCH)

This is a fancy term for what is effectively a lease scheme. After paying a deposit you pay a monthly fee to lease the car and will be bound by mileage caps which are set out in the agreement. At the end of the lease term you have to hand the car back, you do not own it.

Conditional sale (CS)

Under a conditional sale agreement you simply spread the cost of the car over monthly instalments. Once you have paid all of the instalments you own the car outright, there is no ‘option to purchase’ fee.

Helping you compare finance options in one place

Whether you’re choosing between HP or PCP, or considering PCH leasing, you can compare different finance options on YesAuto to find what’s right for you.

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Zuto Finance FAQs

Do Zuto charge a fee?

Zuto are a broker, not a lender, so any charges they incur are covered by the fees they receive from the lenders for arranging your car finance with them. This means Zuto offer their service to you free of charge.

What vehicles can I buy with car finance from Zuto?

Our panel of lenders will finance cars, motorcycles, vans and touring caravans.

We can also provide finance for more specialist vehicles, simply use the finance calculator above to get a quote.

If you don’t have a car in mind, but you’ve already been pre-approved for finance, you can use the stock search tool in your online account area - My Zuto. This allows you to search for cars that you think you might like to buy from any reputable dealer. When you find something, you can add it to your Shortlist and we’ll carry out the vehicle checks and provide a finance quote specifically for that car.

Can Zuto help if I have a bad credit history?

Bad credit car finance is one of the areas that the Zuto team understands well. They’ve helped thousands of drivers who may have a lower credit score find the right car finance deal for them.

Zuto run a soft credit check when you make an application for car finance meaning you can find out if you’ve been approved without impacting your credit score.

Is there certain criteria I must meet to apply for car finance?

When applying for car finance with Zuto, you need to be at least 18 years old and have lived in the UK for three years or more.

Zuto work with a large panel of lenders and any decision is based on your personal circumstances.

Will applying for car finance impact my credit score?

Applying with Zuto won't impact your credit score. When you apply, Zuto run what's called a 'soft credit check' which allows their panel of lenders to decide whether your application is likely to be accepted or not.