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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)

Great car finance team! ...

the car purchasing team is amazing very helpful and checks out the car before purchase to ensure your not being over charged, if all ok they will reach out to the dealership and express your interested this shortly follows with a call with the dealer, then it heads for underwriting who once approved will reach out to the dealer and pay them direct, that simple! only draw back is the main customer service team (not car finance) are a challenge and struggle to understand English I tried 5 times before getting a advisor who was very fluent in English. Reviewed on: 8th May 2024

Very easy to sort out car finance

Very easy to sort out car finance Reviewed on: 11th April 2024

No 1 give me loan but zopa help me alot .

No 1 give me loan but zopa help me alot . Thanks again Reviewed on: 11th April 2024

Fast decision, fast payout flexibility in payment da...

Fast decision, fast payout flexibility in payment date and altering dates Reviewed on: 11th April 2024

Car Loan

It was a smooth experience and their interest rate was good. Reviewed on: 11th April 2024

Very quick service no hassle, y know what ther ta...

Very quick service no hassle, They know what ther talking about simple the best. I've used them for my last 4 cars. Reviewed on: 11th April 2024

Everything was very very clear and slick

Everything was very very clear and slick Reviewed on: 11th April 2024

Brilliant and so professional would use again

Brilliant and so professional would use again Reviewed on: 9th April 2024

Despite changing cars over the person’s if a few wee...

Despite changing cars over the person’s if a few weeks they still carried on giving me the best service and finally when I found the car it was done so quickly with no hassle Reviewed on: 9th April 2024

Absolute joke

Company messes you around. Was approved for car finance and was told it was all going through. Even signed the forms and the dealership contacted me to arrange car pick up. To then last minute receive a call from zopa saying they weren’t going through with it with no explanation. Have already brought insurance for the car as was suppose to collect today and am now left without the car. This company mess you around and reassured multiple times it was all going through only for it not to Reviewed on: 3rd April 2024

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