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3.5 years

Zuto is a credit broker, not a lender. Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £9,000 over 60 months with a representative APR of 20.9% the amount payable would be £234 a month, with a total cost of credit of £5,047 and a total amount payable of £14,047.

Zuto Limited. Registered in England under number 05722976. Registered office: Winterton House, Winterton Way, Macclesfield, Cheshire SK11 0LP. Zuto Limited is acting as a broker and not as a lender. Authorised and regulated by the Financial Conduct Authority, registration number 452589. Zuto can introduce you to a limited number of finance providers, based on your credit rating, Zuto won't charge you anything for this service, but do get a fee from the lender which varies based on the product or amount borrowed.

Does car finance affect mortgage price?

Most people who buy a house or car will need to rely on some form of lending, so you may be wondering ‘does car finance affect your mortgage price’? The answer to this is that if you apply for your mortgage after you have car finance in place, then yes it will. However if you already have a mortgage in place, your car finance will not affect it, in fact it will be your monthly mortgage payments that will affect your ability to get car finance.

Legal and ethical obligations

In order to work out if you can keep up with monthly payments, a bank, building society or finance company will examine your regular income and your outgoings. By law, lenders who offer finance for cars and banks and building societies who offer mortgages have a responsibility to ensure people can afford the money they borrow. This is because if you cannot keep up with your mortgage or car payments, the bank or finance company has the right to reclaim your house or car to cover the debt you are unable to pay.


Banks and finance companies will look at a variety of different factors to ascertain affordability and give them the clearest possible picture of your present financial situation. Your credit history will be examined, your employment status and income will be looked at and your regular committed expenses will be taken into account, including any debts that you’re paying back. With this information in their possession, they can work out how much you’re able to pay per month in mortgage repayments.

Car finance is a form of debt, and the bank or lender providing your mortgage will take the amount you pay each month into account when considering your affordability. Although many forms of debt can be paid off quickly, car finance deals are typically repaid over years - making them a long term financial commitment that must be taken into consideration.

Getting your timing right

Knowing that car finance can have an impact on your mortgage application, interest rate and the size of your monthly payments, it may be wise to consider your timing. Securing your mortgage before applying for car finance could make your mortgage application easier and more affordable.

Improving your credit history

After applying for a mortgage it’s a good idea to give your credit rating time to recover before applying for car finance. Lenders like to see that those applying have been present at their address for at least three to six months, so the longer you wait before applying for finance the greater your chances of success will be.

To improve the interest rate you can get on your mortgage or any form of finance, there are steps you can take to enhance your credit score.

Always ensure that you’re on the electoral register and make any outstanding debt repayments in full and on time wherever possible. Set up monthly direct debits for your utilities to show a responsible history of paying. You can also add funds to prepaid credit cards and utilise these cards when making purchases.

Support and advice

At, we provide car buyers with all the answers to their concerns and questions on the subject of car finance. Getting the timing right when making applications for finance can ensure that you obtain the help you need.

If you have any questions on this subject, or any other topic related to car finance, don’t hesitate to get in touch. Our expert team will be happy to answer your questions and provide you with further information and advice.

Other related FAQs

Looking for more related content to this? We’ve picked a selection of related topics that you may find helpful

Both Equifax and Experian are credit referencing agencies. They use slightly different scales to present your credit rating – but both can provide lenders with some of the information they need to decide whether they’re willing to provide you with car finance.

If you’re refused car finance, find out why. You may need to correct inaccuracies in your credit report or take steps to improve your credit score. You might also want to consider using a guarantor.

In the short term, applying for a car loan can lower your credit score. However, over time if you make your repayments ontime, it can help you to build your score.

There is no specific minimum credit score needed to finance a car. While your credit score is one factor – lenders will consider a number of different pieces of information; including affordability and the type of vehicle you’re buying.

It is not possible to get car finance in the 12 months after being declared bankrupt or until your bankruptcy is discharged through the courts. Getting finance without declaring that your bankrupt is against the law – and could lead to an extension of your bankruptcy.

It is possible to get car finance with a default, but it may be more difficult to do so than if you had a good to excellent credit score.

If you make numerous applications for car finance, repeated credit checks can impact your score negatively. Your approach to paying back the loan will decide longer-term credit score effects – but if you pay on time, it could well go up.

In order to get car finance with a CCJ, you will need to change the status of your judgement on the record or have it removed.

It may be possible to get car finance if you have an Individual Voluntary Arrangement (IVA) currently in place. To do so, you’ll need to seek the permission of the Insolvency Practitioner dealing with your case.

The best way to get car finance with a poor credit rating is to take steps to rebuild your credit history, such as ensuring you’re on the electoral register, making payments on time and using ‘rebuilder’ credit cards.