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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 service

Very simple application process, extremely quick turnaround. Money was in my account within hours of applying. Very helpful aftercare messages, and all in plain English. Overall a very pleasant experience Reviewed on: 5th April 2023

Stress free loans

I obtained a car loan 2 years ago which was stress free and has been ever since with no unexpected / hidden costs. Reviewed on: 5th April 2023

Great customer service quick and easy.

Outstanding customer service ,the processing take minutes. Reviewed on: 5th April 2023

Easiest loan application process I have experienced.

I have had two personal loans and one car loan from Zopa, and have been impressed with every aspect of the process, from application to early settlement. The website is informative and easy to use, and when I have needed to talk to customer service, I have been treated with courtesy. Reviewed on: 5th April 2023

Great experience

So quick and easy not only with a loan but how it gets paid of too Reviewed on: 5th April 2023

Quick and hassle free.

I bought my new car and also got a personal loan threw zopa. Easy simple. And very helpful when buying my new car . I got a fantastic Apr. And I would highly recommend for loans or car finance. U also get an app so uou can check your payments . Make added payments or even change the dates. I will use these agen for sure Reviewed on: 5th April 2023

Hassel free car loan

Zopa came up when I was looking on the internet to finance my recent car purchase. I had never had dealings with them before and it was a new name to me. Having read many positive reviews online I made an application for a loan. After several hours the funds were in my bank and I was able to proceed with the purchase of my new vehicle. Absolutely delighted with their service and happily would recommend to anyone looking for a loan. Reviewed on: 5th April 2023

Simply the best

Fast easy service with competitive rates. Easy application and quick service. I upgraded my car during the loan period and was offered the opportunity to include the loan balance with the new loan to retain one single payment. I will definitely use the company again for future projects. Reviewed on: 5th April 2023

Great service

Quickest service ever, got my money into account in minutes! Reviewed on: 5th April 2023

Great customer service

Great process with the loan approved within 15 minutes and papers received to sign for loan the day after. Money was in the bank the same working day. Great communication and service. Reviewed on: 5th April 2023

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Zopa: Car finance reviews

100% increase in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Zopa: Car finance now

Best banking app 2026

Zopa Car finance reviews (792)

Great service

Stress free loans

Great customer service quick and easy.

Easiest loan application process I have experienced.

Great experience

Quick and hassle free.

Hassel free car loan

Simply the best

Great service

Great customer service

Do you have a different Zopa product?

Want to see more from Zopa?

Personal loan

Fixed term savings account

Credit card

Join Smart Money People

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