We make getting car finance simple so you can be on the road in no time with over 17 lenders and 70 products compared.

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  • Purchase any vehicle from any dealer or privately
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I would like to borrow
To pay back over
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.

Can I get car finance for a private sale?

If you’re currently looking to buy a car, you might see one that suits your needs in a private sale. You’ve heard that finance agreements can be made readily available through dealerships, but you’re asking yourself the question ‘can I get car finance for a private sale?’

The answer is yes, certain lenders will consider offering car finance for a vehicle that is being sold privately, but there are some additional factors involved. Here at, our quote engine with a leading broker is one such service that offers this.

Purchasing an almost new vehicle can be a more cost-efficient choice open to car buyers. While car dealers do sell used cars, those sold privately are often considerably lower in price. With car finance available for purchase in a private sale as well as through a dealership, checking out local listings is worth doing when buying a used car.

Making a purchase through private sale

Often, car buyers seeking to purchase a vehicle in a private sale would need to find the funding to acquire their chosen car. Here at, we can give you access to lenders who specialise in offering car finance agreements in a variety of different circumstances, including private car sales as well as those bought via dealers.

Secured private sales

While you can get car finance for a vehicle in a private sale, you may need to give additional information to your lender. This information is usually details only the private seller of the vehicle will be able to supply.

It’s important for the company lending the money to be sure the sale is secure before supplying you with a car finance agreement. This security will include getting the details of the vehicle’s history and knowing that it’s legally available for sale with no outstanding debts attached to it.

Before making your application for a car finance agreement, ensure that the seller is willing to provide all the information you require to complete the process. Legitimate sellers should have no problem assisting you in this request.

Level of protection

When buying a car in a private sale always be aware that you’re not provided with the same kind of cover available when you buy your vehicle from businesses such as dealerships. It’s essential that you feel absolutely sure in your decision before committing to your purchase in a private sale. If there’s any aspect of the sale you are uncomfortable with, consult professional advice before buying.

Check your eligibility

You can find out if you’re likely to be able to acquire car finance before you even start looking through the listings of private sales by getting in touch with our specialist advisors, or checking your borrowing availability with our online calculators.

Finance for a private sale

The finance company you apply to for lending will require a thorough check of the vehicle for which you are looking to borrow funds. This is to make certain the vehicle is being sold lawfully, there are no outstanding agreements for finance or outstanding debts attached to it, and that the stated history of the car checks out completely.

Getting the best deal with the best advice

We understand that car buyers are always seeking the best deal possible for their chosen make and model, which is why we offer a full range of services to assist.

If you’re currently considering making a purchase in a private sale and are looking for a finance agreement, don’t hesitate to get in touch with us or arrange a call back. A member of our team will outline the options open to you for securing a finance deal for a private car sale so that you can make an informed decision. 

Other related FAQs

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

Car finance is a loan – but it’s one that’s often secured against the vehicle you’ve decided you want. As such, it’s often viewed a little differently to a personal loan – which is not secured against anything.

Lying on a car loan application is a form of fraud and is illegal. If you’re found to have done this, you could face prosecution and you may find it harder to get credit in the future.

The simplest way to find out how much is left on your car finance agreement is to contact your lender. Alternatively, you can calculate this figure yourself.

The maximum age of used cars eligible for finance agreements tends to be 10 years, although there are exceptions to this.

Buying a used car with a finance agreement can be a good option. As with any financial agreement though, it’s always important to check the details carefully and to consider the pros and cons.

In most cases, car finance providers pay for or provide your vehicle after you pay a deposit. Then, over the course of an agreed repayment period, you’ll pay off some or all of the price. The product you choose will decide what happens at the end of the agreement – but common options include taking ownership of the car, handing it back, or upgrading it.

In general, you cannot simply transfer a car finance agreement to someone else. However, there may be other options available to you that meet your needs.

Car finance companies don’t usually contact employers to assess eligibility. However, in some circumstances, they might.

When you’re applying for finance for a used car, it’s useful to have the relevant supporting documents such as information on your vehicle of choice, your financial details and proof of address and income. You may also need a deposit.

A guarantor car loan is an agreement in which a third party (usually a family member or friend) agrees to guarantee the repayment of your loan if you fail to keep up with your payments.