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

  • Get a free no-obligation quote - no impact to your credit file
  • Purchase any vehicle from any dealer or privately
  • Don’t pay broker fees - transparent process
  • Found a car? Check the history & value for free
Price calculator

Car finance calculator

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.

Does car finance include insurance?

If you’re currently looking for car finance and are trying to calculate your monthly costs, you might be wondering ‘does car finance include insurance?’ The straightforward answer is that while not every finance agreement will include insurance, there are packages on offer for you to purchase that do.

Car finance that includes insurance can be beneficial for those who wish to keep things simple and consolidate more of their car payments into one sum each month. They can also eliminate the time and hassle involved in finding suitable insurance policies each year.

Combining car finance and insurance into one payment

We understand that streamlining your car payments into one single sum can be very helpful to people who like to keep life simple. Why should you deal with two companies when you can keep all your costs together with one? We have access to a wide selection of lenders who specialise in offering finance agreements that include insurance. It’s our aim to ensure you receive the very best deals on offer for car finance of this kind, if you decide that this route is best for you.

Single payments for finance and insurance may suit your specific circumstances, but there are some considerations to take into account when entering into an agreement of this kind.

The cost of finance that includes insurance

Finance deals that also include insurance will inevitably result in higher monthly payments than those that don’t.

For many car buyers, the most affordable approach is to manage finance and insurance separately. While there are car deals available on the market that advertise free insurance, these are limited to brand new vehicles and may not be available to you if you are in a high-risk category where insurance is concerned. Higher risk groups include younger drivers with limited credit scores or those who possess a licence with points.

Finance plus insurance for younger drivers

We understand that learning to drive and getting your first car is an exciting experience, but it can also be frustrating for younger motorists seeking finance and insurance.

Many companies offering finance and insurance consider drivers who are between 18 and 24 years of age to be higher risk, and the result of this is higher premiums. With a credit history that is limited, younger people also tend to be seen as a riskier investment, and so while companies will offer finance, it is usually provided at a higher rate of interest.

There are products available, however, that are specifically tailored to younger drivers that combine the cost of finance and insurance into single, affordable monthly payments.

Products with added extras

It’s not just insurance that can be added to car finance agreements. If you are looking to streamline your vehicle-related monthly outgoings even further, there are packages available that also add, among other things, road tax payments and servicing costs.

Always bear in mind that every finance deal, including one that combines the cost of insurance, will come with its own terms and conditions, so ensure you check it suits you before you sign up.

The right advice, right when you need it

At, we’re specialists in the auto industry, meaning we can support you in finding the very best form of finance available for your own individual circumstances. If you have questions or queries on combining your finance with other aspects of using a car, such as insurance, you can get in touch and we’ll endeavour to find the best deal possible for your needs.

If you’d like to discover more about any other issues relating to car finance, don’t hesitate to contact our experts.

Other related FAQs

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

Yes, you can refinance your car loan. However, you should carefully assess the pros and cons of doing so before you make a decision.

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.

Yes, certain lenders will consider offering finance for a vehicle that is sold privately.

Car finance agreements can be a great option for a wide range of people. Before committing to a deal though, it’s always important to read the terms carefully and consider the pros and cons.

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 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.

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.

Your ‘settlement figure’ is the amount that the car finance company require to pay off your finance in full. Since this changes as interest is added and as payments are made, requested settlement figures are usually only valid for a short time.

Under certain circumstances, you can claim the cost of a car as a capital allowance, meaning you can deduct some of the vehicle’s value from the profits of your business before paying tax. However, strict criteria apply.

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.