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The simple way to find a better car loan

The simple way to find a better car loan

You could get a deal that works for you from Zuto’s large choice of lenders. Read ahead to find out more.

This won't affect your credit score. Zuto is a broker not a lender. Representative 19.9% APR

How car refinancing could help you

Save money

You could get a lower interest rate, making your overall borrowing cheaper

Lower monthly repayments

Extending the loan term could make your monthly repayments more affordable, though you could end up paying more overall

Keep your car

Spread the cost of your personal contract purchase (PCP) balloon fee into monthly payments

How it works

  1. 1

    Fill in Zuto’s application form to get a decision in 60 seconds

  2. 2

    Zuto search their panel of lenders to find the best option for you

  3. 3

    Get your quote and find out if it’s better than your current car finance

Zuto makes car refinancing simple

Getting a quote from Zuto is free and won’t affect your credit score. Compare offers from their large panel of lenders and get expert advice from their car finance experts. This means you can find a loan that works for you.

With you in mind

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    ‘Excellent’ Trustpilot rating

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    Preferred AutoTrader partner

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    Over 276 finance options from 16 lenders

Need to know

Zuto is a credit broker, not a lender.

Getting a quote from Zuto won’t impact your credit score. A hard search will only be carried out once you choose to continue with your application. This will then appear on your credit report.

You may need to pay an early settlement fee on your existing agreement when you refinance. But, Zuto will get the required details from your current lender and will help guide you through the process.

Longer loan terms may mean you pay more in interest. Always make sure the offer is right for you before you apply, and never borrow more than you can afford to repay. Make sure you can afford to make repayments for the duration of the loan. It’s a good idea to set up a direct debit so you don’t miss a payment which could harm your credit score, making it harder or more costly to get accepted for offers in the future.

You could get a better car loan in moments

See if Zuto’s large choice of lenders could find a deal that works for you

If your circumstances have changed — whether that’s your personal financial position or credit score - it could be beneficial to refinance your car loan. You could get a lower rate, cheaper monthly repayments or get help spreading your balloon payment.

Zuto works with a wide selection of lenders which means you could refinance your vehicle, even if you’ve got bad credit. Contact Zuto’s helpful team if you need to discuss your circumstances.

Technically, as many times as you like. But, too many applications could negatively impact your credit score.

You won’t be able to refinance a car that’s leased as you don’t own the car when leasing it.

Negative equity happens when your car is worth less than the amount you still owe in loan repayments. You can still refinance your car, although the new agreement will be based on your outstanding amount rather than the vehicle’s value.

We're on a mission to help everyone move their finances forward and gain financial momentum.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Registered Office: 5th Floor, Halo, Counterslip, Bristol, BS1 6AJ. Credit is available, subject to status, only to UK residents aged 18 or over.