Compare Car Loans

  • We've partnered with award-winning broker Zuto to help you in your car loan search.
  • Compare offers from a range of Zuto lenders in the table below.
  • Choose a lender and click 'proceed' to find out more and apply.
  • Find out more about how the Zuto application process works click here.

You are currently comparing ...

  • Paragon

  • Best Available Rate*
    5.6% APR
  • Available Amounts
    £2,500 to £59,000
  • Min/Max Terms
    2 to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Deposit not always required
    • Cars up to 13 years old
    • Cars only accepted
    • Up to 100,000 miles
    • No Military Personnel or No Driving Instructors
    • Employed and Self Employed Only
    • Taxi Drivers accepted on vehicle for personal use
    • Full UK Licence only
    • Joint Applications accepted
    Start Now
  • Representative Example: If you borrow £7,500 over 48 months you'll pay back a total amount of £10,037 which works out as a monthly payment of £203. Representative APR 15.70% (fixed)
  • Blue Motor Finance

  • Best Available Rate*
    7.9% APR
  • Available Amounts
    £1,300 to £50,000
  • Min/Max Terms
    18 months to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Deposit not always required
    • Cars up to 12 years old
    • Cars only accepted
    • Up to 100,000 miles
    • Private Sales Considered
    • UK Driving Licence Only
    • UK Based Military Considered
    • Any Employment status considered
    • No Northern Ireland or Channel Islands/Isle of Man Applicants
    • Taxi Drivers accepted on vehicle for personal use
    • 3 Years UK Residency
    Start Now
  • Representative Example: If you borrow £7,500 over 48 months you'll pay back a total amount of £10,658 which works out as a monthly payment of £219. Representative APR 19.80% (fixed)
  • Hitachi Personal Finance

  • Best Available Rate*
    8.9% APR
  • Available Amounts
    £2,000 to £21,200
  • Min/Max Terms
    2 to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Cars up to 10 years old
    • Any engine size/insurance group
    • Up to 100,000 miles
    • Private sale and dealer purchase available
    • Deposit Not always required
    • 18 years +
    • Mainland UK residents only
    • No CCJs or defaults
    • No taxi drivers
    Start Now
  • Representative Example: If you borrow £7,500 over 48 months you'll pay back a total amount of £10,469 which works out as a monthly payment of £218. Representative APR 18.90% (fixed)
  • Private & Commercial Finance

  • Best Available Rate*
    8.9% APR
  • Available Amounts
    £2,500 to £60,000
  • Min/Max Terms
    18 months to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Cars up to 9 years old+ Mileage up to 100,000 (petrol) and 120,000 (diesel)
    • Classic cars, vans, commercial and motorbikes accepted
    • Must be aged: 21 or over (or 18 with guarantor)
    • Mainland UK residents only
    • Armed forces accepted (no low ranks)
    • Self-employed/employed only
    • Maximum insurance group 15 - if under 25 years old
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  • Representative Example: If you borrow £7,500 over 48 months, you'll pay a total amount of £10,854 which works out as a monthly payment of £222. Representative APR of 21.00% (fixed).
  • Barclays

  • Best Available Rate*
    9.1% APR
  • Available Amounts
    £1,500 to £43,293
  • Min/Max Terms
    2 to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Deposit not always required
    • Cars only accepted
    • Cars up to 12 years old / 120,000 miles
    • Any driving licence considered
    • Any employment status considered
    • All UK applicants considered
    • 3 Years UK Residency
    Start Now
  • Representative Example: If you borrow £7,500 over 48 months you'll pay back a total amount of £10,249 which works out as a monthly payment of £207. Representative APR 17.00% (fixed)
  • Santander

  • Best Available Rate*
    9.1% APR
  • Available Amounts
    £1,500 to £35,999
  • Min/Max Terms
    14 months to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Cars up to 9 years old
    • Vans Up to 6 years old
    • Mileage up to 120,000
    • 20% deposit needed
    • Only satisfied defaults/CCJs accepted
    • UK mainland residents only
    • Taxi drivers accepted
    • Minimum provisional license or EU license required
    Start Now
  • Representative Example: If you borrow £7,500 over 48 months, you'll pay a total amount of £10,510 which works out as a monthly payment of £213. Representative APR of 18.60% (fixed).
  • Creation

  • Best Available Rate*
    9.1% APR
  • Available Amounts
    £2,000 to £24,725
  • Min/Max Terms
    2 to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Cars up to 10 years old
    • Mileage up to 100,000
    • Motorbikes and scooters allowed (available to applicants over 23)
    • Not available to Scottish and Channel Islands residents
    • Satisfied CCJs/defaults are permitted
    • No current credit/mortgage/HP arrears
    • Joint applications/guarantors not accepted
    • Taxi drivers/driving instructors accepted
    Start Now
  • Representative Example: If you borrow £7,500 over 48 months, you'll pay a total amount of £10,090 which works out as a monthly payment of £206. Representative APR of 16.60% (fixed).
  • Moneyway

  • Best Available Rate*
    9.5% APR
  • Available Amounts
    £2,000 to £20,000
  • Min/Max Terms
    2 to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Cars up to 9 years 10 months old
    • Mileage up to 100,000 miles
    • Deposit not always required
    • Maximum 3.0L engine
    • Must be 21 or over
    • Disability benefit accepted
    • Defaults less than £500 in last 3 years accepted
    • 5 months minimum time in current employment
    • Agency workers/driving Instructors/taxi drivers not accepted
    • Available in Northern Ireland
    Start Now
  • Representative Example: If you borrow £7,500.00 over 48 months, you'll pay a total amount of £12,240 which works out as a monthly payment of £255. Representative APR of 29.90% (fixed).
  • Marsh

  • Best Available Rate*
    11.6% APR
  • Available Amounts
    £2,000 to £19,000
  • Min/Max Terms
    18 months to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Cars up to 8 years old
    • Milage up to 120,000
    • £100 minimum deposit
    • Must be 22 or over+ Minimum income £850 per month
    • Armed forces applicants not accepted
    • Tenants in GTR London not accepted
    • Applicants residing in high rise flats not accepted
    • Ex-bankrupt applicants not accepted Completed IVA/debt management plans accepted
    • 1 current missed mortgage payment allowed
    • Defaults and CCJs in last 3 years accepted
    Start Now
  • Representative Example: If you borrow £7,500 over 48 months, you'll pay a total amount of £10,728 which works out as a monthly payment of £223. Representative APR of 20.50% (fixed).
  • Billing Finance Ltd

  • Best Available Rate*
    32.4% APR
  • Available Amounts
    £1,100 to £9,999
  • Min/Max Terms
    18 months to 5 years
  • Proceed + More Information
  • Based on the information given by you, Zuto will search a range of products and lenders to find a car loan that meets your individual circumstances. If your application is successful we’ll arrange for a personal advisor to call you back within 30 min.

    Vehicle/Loan Criteria

    Borrower Criteria

    • Cars of any age considered
    • Mileage up to 100,00 miles
    • 5% Minimum deposit required
    • No Subaru Imprezas
    • Must be 18 years or over
    • Defaults/CCJ accepted, provided you have some active clean credit
    • Pension/DLA accepted
    • Taxi drivers, delivery drivers and driving instructors accepted
    Start Now
  • Representative Example: If you borrow £7,500.00 over 48 months, you'll pay a total amount of £13,377 which works out as a monthly payment of £277. Representative APR of 36.80% (fixed).
Our comparison table features a selection of providers from whom we receive commission. This table is initially ordered by best available rate [*rate for lender achieved by Zuto customers in the last 3 months]. You can use the options above the table to order it according to various criteria.
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Car loans explained

The term 'car loans' is used to refer to personal loans, that are used to buy a vehicle, and car finance.

You can get a personal loan from high street banks, building societies and specialist lenders. They can be secured or unsecured and are for the express purpose of purchasing a car or other vehicle.

Car finance is available in 3 main ways, but all allow you to borrow a sum of money upfront to buy a vehicle, which you repay over a set period of time.

Most car finance is hire purchase (or HP for short). The lender buys the car, and you hire it from them, essentially purchasing it bit by bit as your monthly payments are made. When you reach the end of the term (the number of months you've chosen to pay the money back over), you can choose to take over ownership of the vehicle if you want to.

There are two other types of car finance which are less common. Personal Contract Purchase (PCP), you still make monthly instalments to the finance company, but these payments do not repay the full loan. Instead you have a lump sum to pay at the end of the term (balloon payment). Or Contract Sale (CS) where you commit to own the car at the end of the final instalment.

Things taken into account when you are being assessed for car finance are your credit history and how much debt you already have. In addition, other factors will be how much the car is worth and its mileage.

Being pre-approved is not a guarantee of being fully accepted as this can only be provided once the details of the exact car you want to buy have been included and approved.

However, there are some things that you need to bear in mind when you use car finance. For instance, if something happens and you are no longer able to keep up your payments, you could risk having your car repossessed. This is because until the car is paid for in full, it belongs to the finance company.

Missing payments could result in your credit score being damaged, which will impact your ability to gain further credit in the future.

Who are Zuto?

Zuto is the UK's leading car finance specialist. Launched in 2006, Zuto compare a panel of UK car loan lenders, covering over 80 finance options, to find you the ideal loan for your individual circumstances.

Zuto accept applications from a wide range of people including young drivers, those who are self-employed and people who have had previous credit problems. Furthermore, they not only provide financing for cars from private sellers and dealers, but also motorbikes, vans, caravans, taxis and more.

The whole Zuto loan process is designed to take the stress out of applying for car finance. With a dedicated team of specialists on hand to offer advice and support, they provide a quick and straightforward application process with transparent and clear information on repayments and loan terms.

If you're still considering what car to buy, Zuto have a car finding tool, giving you access to thousands of cars from dealers up and down the country. When you find a car you like, let Zuto know and they'll confirm your finance with the lender. They'll then send out the documents electronically, all you need to do is sign and upload them into 'MyZuto', your secure online account area. Once that's completed, you're almost finished. Zuto sort the finance with the seller and all you have to do is pick up your car.

How does the Zuto application process work?

  • 1. Compare the loans available in the comparison table to choose a suitable product
  • 2. Click the green "proceed" link to open the simple Zuto application form
  • 3. Fill out the form and submit your application
  • 4. Zuto will email and text you to let you know the decision and advise on the next step. This usually takes about 30 minutes.