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Zopa: Car finance reviews

Name: Car finance
Rating: 4.89 (790 reviews)

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4.84

Based on 790 reviews, last reviewed 12th Sep 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

My first choice for financing my Model 3 Long Range Having used Zopa for banking, credit card and a small personal loan, they were my first choice for car finance. I even picked the car from their appro... Read more Reviewed on: 12th June 2025

Latest lowest rating:

1

Refused car finance they offered me! Applied for car finance for £11459. I have great credit and good income. My application was sent to the underwriters who requested all banking documen... Read more Reviewed on: 12th September 2025

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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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Zopa Car finance reviews (790)

I have been with Zopa for years and this is my secon...

I have been with Zopa for years and this is my second loan with them. I wouldn't consider anyone else Reviewed on: 9th January 2024

Simple process

Simple process. Stuff were not pushy. The loan was sorted in no time. Would highly recommend and use again. Reviewed on: 9th January 2024

It was very easy and customer service was great

It was very easy and customer service was great Reviewed on: 9th January 2024

I like it, this is good for me I am telling for ever...

I like it, this is good for me I am telling for everyone Reviewed on: 9th January 2024

Motorcycle loan

Got a loan for motorcycle, very easy company to deal with, one or two payments left , very satisfied, would definitely recommend. And would definitely take out another loan as and when life demands. Reviewed on: 9th January 2024

Fast, smooth, and competitive!

I was looking for a loan for a new motorcycle and found Zopa online. The interest rate was very competitive and I applied thinking it would take ages. It didn’t, it was instant. Surely it couldn’t be that simple? So I accepted the offer and within seconds the money was in my account!! It was fast, smooth and at a very competitive rate. Reviewed on: 9th January 2024

Zopa offered me a good rate and excellent custo...

Zopa offered me a good rate and have excellent customer service. They assisted me in ensuring I fully understood the terms and conditions and was able to meet the payments. They provided prompt payment to the car dealership. I find the app very easy to use and keep track of my payments Reviewed on: 9th January 2024

I have car finance credit card and a loan best rates...

I have car finance credit card and a loan best rates I could get from anyone and easy application Reviewed on: 9th January 2024

Car finance application

I made a car finance application with zopa...it took less than 24 hours to get approved. Excellent customer service Reviewed on: 9th January 2024

Superb service and super fast resolution to request...

Superb service and super fast resolution to request for car finance. Will highly recommend to anyone wanting car finance. Reviewed on: 9th January 2024

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