A broker with a panel of 25+ lenders — one soft-search application compares multiple offers without affecting your credit score.
Zuto doesn't lend money directly — instead it runs one application against a panel of finance providers and returns the offers you're likely to be accepted for, starting with a soft search that leaves no visible mark on your credit file. It covers cars, vans and motorbikes.
Buyers who want to compare multiple lenders in one go without repeated hard searches, and who aren't sure which type of lender (prime, near-prime or specialist) they'll qualify with.
| Minimum age | 18 |
| UK residency required | Yes, UK resident, minimum 3 years UK address history typically preferred |
| Minimum income | Panel-dependent, generally £10,000+ per year |
| Self-employed accepted | Yes, panel includes self-employed-friendly lenders |
| Credit check type | Soft search first, hard search only on formal application |
Sample reviews shown for design purposes — replace with verified, sourced customer feedback before this page goes live.
Compared several offers in minutes and picked the one with the lowest monthly payment. Really straightforward.
Good range of options for my situation as a sole trader. Would use again.
