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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)

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

Great company

So easy to apply for finance with no hassle and very quick decsion made, would highly recommend. Reviewed on: 5th April 2023

Straightforward. No hassle. Simple app.

A really straightforward application process with pre-approval. Market leading APR. Easy management through the app and linked in with the robust name associated with John Lewis. Reviewed on: 5th April 2023

Easy company to work with quick dissections

Had no issues applying for finance very simple and efficient Reviewed on: 5th April 2023

Brilliant!

So quick, so easy, so helpful. What's not to love? Reviewed on: 5th April 2023

Excellent customer service and quick turn payout

I had an excellent experience applying for car financing with Zopa incredibly helpful from start to finish Reviewed on: 5th April 2023

Amazing Company

I finance my car through Zopa and i couldn't be happier with the service i have received thank you so much ! Reviewed on: 5th April 2023

Very good service.

The experience I had from the get go was easy and the service was excellent I would recommend this company to anyone. Reviewed on: 5th April 2023

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