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Zopa: Car finance reviews

Name: Car finance
Rating: 4.84 (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.

Zopa Car finance reviews (790)

Review of the Zopa, Car finance:

Easy service

Easy service and gets the best deal. Reviewed on: 19th March 2025

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

quick and easy

the application did not take too long and then the turnaround was rapid, the money was in my account within the hour. best interest rate around at the time as well. Reviewed on: 5th April 2023

Smooth Movement

Efficient and explicit with everything. Clear as day and what a smooth service. Really good customer service and I’ve had to contact them on several occasions so it’s not a one off good adviser. The zopa way is the best way thanks Zopa Reviewed on: 5th April 2023

Fantastic!!!!

Great company to deal with so easy and money was there to use in minutes. Fantastic Reviewed on: 5th April 2023

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