Car Finance: Comparing Zuto, MatchMe, and CarFinance 247

July 31st, 2025
Car Finance: Comparing Zuto, MatchMe, and CarFinance 247

Looking to secure the best car finance deal? At Free Price Compare, we work with trusted brokers like Zuto, MatchMe, and CarFinance 247 — so you don’t have to shop around. One quick application with us gives you access to a wide panel of lenders, matched to your credit score, loan amount, credit history, and vehicle preferences.

In this guide, we explain how these brokers differ — and why using Free Price Compare to connect with them saves you time, effort, and unnecessary credit checks.

What Do Zuto, MatchMe, and CarFinance 247 Offer?

All three are leading UK car finance brokers that operate as loan aggregators. When you apply through Free Price Compare, we send your details to the most suitable partner based on your needs. This means you can compare car finance quotes across multiple lenders — without making multiple applications.

Feature Zuto MatchMe CarFinance 247
Network of Lenders 30+ lenders 17+ lenders 20+ lenders
Credit Score Requirements All credit types considered All credit types considered All credit types considered
Representative APR From 9.9% From 7.9% From 6.9%
Soft Credit Search Yes Yes Yes
Application Process Online form + advisor call Online form + advisor call Online form + online portal
Loan Calculator Yes Yes Yes
Minimum Loan Amount £2,000 £1,000 £1,500
Vehicle Types New, used, EVs New, used, EVs New, used, EVs
Finance Types Offered HP, PCP, personal loans HP, PCP, personal loans HP, PCP, personal loans

We’ve partnered with these brokers so you can compare car finance options in one place — with no fees, no pressure, and no impact on your credit report.

How Does the Application Work with Free Price Compare?

When you apply through Free Price Compare:

  • We run a quick soft credit check (no impact on your credit score)
  • You’re matched to the broker most suited to your credit profile, repayment terms, credit requirements, and financial situation
  • You receive your quotes by email or telephone, usually within minutes
  • Some partners like CarFinance 247 let you access everything online, while others offer advisor-led support over the phone

We only partner with FCA-authorised firms who treat your data securely and fairly.

What About Credit Score, Loan Types and Eligibility?

All three brokers accept a wide range of credit scores. When you apply via Free Price Compare, we ensure your information is sent to the right partner:

Credit Band Likely Outcome
Excellent Access to lowest interest rates, better interest rate, and excellent APRs
Good Broad choice of lenders and terms
Fair Higher APR and possibly higher rates
Poor Fewer options, higher monthly payment

Our partners offer car loans for new cars, used cars, lease buyout loans, personal loans, and refinancing options. No minimum credit score is required to apply. We also support those exploring types of auto loans with or without a deposit.

Compare Car Finance Options Without Affecting Your Credit

See real rates and lenders side-by-side to find the deal that suits your budget.

What Are the Typical Loan Terms?

Loan Amount £1,000 – £50,000+
Loan Term 12 to 72 months
Finance Types HP, PCP, Lease Buyout, Personal Loans
Deposit Required Often optional, but improves rate

You can use a loan calculator to check expected monthly payments, loan rates, interest rate, total interest, and compare loan options. If you’re refinancing your current auto loan, it may help you access lower monthly payments, lower interest rates, or a longer loan term.

How Do Interest Rates Compare?

The representative APR is the advertised rate that at least 51% of customers receive. Real rates vary based on your credit history, financial situation, and eligibility.

Platform Representative APR Example Monthly Payment (Loan: £10,000, 48 months)
Zuto 9.9% £253
MatchMe 7.9% £245
CarFinance 247 6.9% £239

You may also qualify for an annual percentage rate below the average auto loan interest rates depending on your credit score or credit card history.

What Vehicles Can I Finance?

All platforms support:

  • New cars
  • Used cars
  • Electric vehicles (EVs)

The car purchase must usually be from a verified car dealership. Some brokers may also allow private party purchases. The value of the car and type of loan selected may affect your approval chances and auto loan rate.

What Tools and Support Are Available?

Tool or Feature Zuto MatchMe CarFinance 247
Mobile App No No Yes
Online Application Yes Yes Yes
Digital Document Upload No No Yes
Advisor Support Yes Yes Optional
Car Search Tool Yes Yes Yes
Auto Loan Marketplace Yes Yes Yes

We’ll match you with the platform that suits your preferences best — whether that’s digital self-service, support from a dedicated advisor, or features like auto loan calculators, loan offer notifications, and mobile apps.

Why Apply via Free Price Compare?

Free Price Compare is your gateway to trusted brokers like Zuto, MatchMe, and CarFinance 247. One quick application lets us match you to the lender or platform best suited to your situation.

We help you:

  • Avoid multiple credit searches and save time
  • Compare car finance deals in one place
  • Access loan options from traditional auto lenders, online lenders, or auto credit express networks
  • Get instant decisions with soft checks
  • Choose from new, used, and electric vehicle finance
  • Explore HP, PCP, lease buyout, refinance loan, and personal line of credit options
  • Review loan interest rates, repayment terms, and total loan amounts before you commit
  • Improve your chances of getting a better interest rate based on your credit score and loan term

There’s no cost to you, and no need to apply on multiple sites — we bring everything together in one place to help you compare car finance easily.

Apply via Free Price Compare for Car Finance

Correct as of 25 July 2025

FAQs: About Comparing Zuto, MatchMe & CarFinance 247

Which car finance platform is best for bad credit?

All three support bad credit borrowers. When you apply via Free Price Compare, we’ll match you to the broker most likely to approve your application.

Do they all use soft credit checks?

Yes — the initial search won’t affect your credit score.

Can I choose my own car dealer?

Yes — but they must be a verified dealer approved by the broker you’re matched with.

What’s the difference between MatchMe and CarFinance 247?

CarFinance 247 offers a full online journey. MatchMe focuses on advisor-led support. We’ll match you to the one that fits your needs.

Why use Free Price Compare instead of going direct?

You get access to the same lenders — but applying via Free Price Compare means faster matching, fewer forms, and better guidance throughout your journey.

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