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Zopa: Car finance reviews

Name: Car finance
Rating: 4.65 (792 reviews)

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4.65

Based on 792 reviews, last reviewed 25th Jun 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Zopa was the obvious pick for my Model 3 Already a Zopa customer across banking, credit card and a personal loan, it made sense to go back to them for the car finance too. I even sourced the ... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Terrible experience after my dealer suggested they w... Terrible experience after my dealer suggested they were good. Loan approved but after went to underwriter rejected. very poor customer care who were n... Read more Reviewed on: 1st June 2026

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About this product

Zopa car finance offer two ways to help with a car purchase. Choose from hire purchase where you pay off the cost in equal instalments, or personal contract purchase where you hand the car back or pay off the balance at the end of the agreement.

You can check your eligibility for Zopa car finance without impacting your credit score.

Zopa car finance reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Car finance reviews (792)

My experience with Zopa Bank has been extremely disa...

My experience with Zopa Bank has been extremely disappointing and stressful. I financed a car through a hire purchase agreement, expecting reliable service and support. However, when the car developed a major fault within a few months, Zopa failed to take responsibility or provide adequate assistance. Despite clear evidence that the car was not of satisfactory quality at the time of purchase, Zopa dismissed my complaints and declined to resolve the issue. Instead of addressing the problem, they focused on technicalities, such as disputing whether I was authorized to have the car inspected. This lack of accountability and customer support was incredibly frustrating. Adding to the stress, Zopa reported missed payments to my credit file while I awaited a decision, severely impacting my credit score. Their approach caused unnecessary hardship during an already difficult time. It was not until the Financial Ombudsman Service intervened that Zopa was forced to take appropriate action, including refunding my payments and resolving the matter with the faulty car. This case highlights Zopa reluctance to act fairly without external pressure. I strongly advise anyone considering Zopa Bank for financial products to think twice. Their customer service and dispute resolution process are inadequate, and their handling of this situation has left me deeply dissatisfied. Reviewed on: 26th December 2024

Poor Service and one the worst someone ever treated me

Prior to speaking to one of Zopa Car Finance staff, I filled an online form Money Supermarket, the car finance company that was recommended was Zopa's Car Finance and I filled the application online and I was pre-approved with 100% guaranteed and I received a text message that one of their staffs will call me. Few minutes after the text I received a call a guy called Dave regarding car finance. As soon as he heard my voice, you could tell he was disappointed, I (guess not the kind of voice or accent Dave can't stand). So, as I was asking a question about a discount deal that Uber and Toyota have at this very moment, I basically asked him if Zopa Car Finance provides car finance to buy car from dealers such as Toyota. He straight concludes we are not going to offer you the finance you looking for. For some reason, Dave seems to be disturb by who I am as a person more than anything else, and has to enforce the power he had even though his approach was very unprofessional. You would expect a company or a business of magnitude Zopa Car Finance to get it right as a business with both their staffs and principles to treat people with dignity, respect and professionalism rather than their personal feelings or dislikes to certain people. If a business is tolerating and accommodating staffs such as Dave who have an inner agenda, you wonder and start questioning whether the business have any ethics and principle or it is there to marginalised certain sections of society. Oh! and Dave told me, after our phone conversation, you will receive a feedback and you can tell us about your experience, which I never received. Well! I wouldn't be surprised, if he withheld the customer feedback so that I wouldn't be able to leave a feedback on his conduct on the phone. There is something dodgy about the bloke. My message is in order to avoid the disappointment, indignity, humiliation, unworthy and how badly I was treated on the phone, I will urge you to avoid Zopa Car Finance, especially Dave. Reviewed on: 26th September 2024

Securing the finance was easy.

Securing the finance was easy. I lost my job a year later and asked for one months ‘grace’ or for that months payment to be added to the end of the term. The answer was a flat no and immediately started to speak about debt management and car repossession!?!?!? I made the payment, but left a very poor impression on me in regards to flexibility around life’s up and downs, when no support was available for one month only. As I said I made the payment anyway. Reviewed on: 15th August 2024

A very smooth experience

I had a very smooth experience, with obtaining car finance through Zopa. I had struggled to find a suitable product previously and ended up being bombarded with calls from other companies. But Zopa didn’t call more than necessary, gave me an idea of what to expect when I viewed the car and were very helpful from start to finish Reviewed on: 14th June 2024

Will be using again!

My experience with Zopa has been excellent from the start. The application process was quick and easy and drove away in my vehicle the same day! I also had an issue with my vehicle which Zopa dealt with in a quick and professional manner. I would always be happy to recommend Zopa. Reviewed on: 7th June 2024

Very good A title about zopa

Very good A built credit score for everyone to build credit history help full Reviewed on: 30th May 2024

Their services were up notches and satisfied.

Their services were up notches and satisfied. Reviewed on: 24th May 2024

Fantastic company that really care about their consu...

Fantastic company that really care about their consumers and staff Reviewed on: 24th May 2024

Great Customer Service

Brilliant experience, talked through every step, helped source another car following an issue with a car dealership. Reviewed on: 24th May 2024

Great service from Zopa

I have used Zopa few times and always had goo experience with them. Customer service was excellent every time I needed something. Applying for loan or car finance is easy and straight forward. Would highly recommend Reviewed on: 23rd May 2024

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