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Zopa: Car finance reviews

View other Zopa products
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
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
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0%
See only 1 star reviews
1%

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
Gary Keaney's avatar
Gary Keaney

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
J Ram's avatar
J Ram
Read all reviews See your review

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:

Excellent service

5
Excellent service and great rates Reviewed on: 28th February 2025
Jules's avatar
Jules

Car Loan

5
Great service. Quick and easy to complete Reviewed on: 5th April 2023
Stephen O'Hara's avatar
Stephen O'Hara

Finance

5
Hello,not first time take,and very happy. Loyal price, amazing team. Many thanks for everything!!! Reviewed on: 5th April 2023
Mr Gudvin's avatar
Mr Gudvin

Did all the work for me

5
They gave me a fantastic level of customer service, communicated with the car seller all the way. The seller even mentioned how efficient they were during the process. I got really good rates so all in a 5 star service. Reviewed on: 5th April 2023
S C's avatar
S C

Flawless and Fast transaction

5
We had the finance for my wife's dream car and the cash in the bank in a little over 2 hours from start to finish - just a smooth, easy, and simple process online. As we were buying from Cazoo, the speed of the Zopa process meant we secured and paid for the car the same evening. Sometimes, modern life works how it is meant to! Reviewed on: 5th April 2023
moony's avatar
moony

Absolutely Zopa

5
Very professional and courteous would defiantly use again Reviewed on: 5th April 2023
Simon Priest's avatar
Simon Priest

Absolutely Zopa

5
I would use company and recommend in a heartbeat Reviewed on: 5th April 2023
Simon Priest's avatar
Simon Priest

Fantastic value

5
I chose Zopa after seeing them recommended in Martin Lewis’s newsletter back in 2020. I got a fantastic deal on car finance & the company is great to deal with - incredibly fast & efficient, with excellent communication. Thanks Zopa! Reviewed on: 5th April 2023
Verity Burgess's avatar
Verity Burgess

Super

5
Amazing company, so happy have the credit card for you. Reviewed on: 5th April 2023
Joeanilatika 's avatar
Joeanilatika

100 helpfull

5
We got a car loan and I had trouble with my licence as my lorry licence had run out on it I thought it had stopped us from getting the loan but the lady with zopa pulled all the strings to sort it out Reviewed on: 5th April 2023
Mark davies's avatar
Mark davies

My Car Loan

5
To put it simply, Zopa got me back on the road. After being hit by a lorry in a car that I had only just paid off, I needed to source a new vehicle and get back on the road. Once I'd found the right car for me, the Volvo garage sourced the finance that allowed this to happen and for me to resume my life. The loan process was efficient and clear. Their communication is excellent with monthly direct debit reminders and quarterly statements. It couldn't be easier to ensure I'm in control of my finances. To put it simply, Zopa allowed me to manage a quite distressing situation past accident and enabled me to resume my normal life. I wouldn't hesitate to recommend them and to use them again. Reviewed on: 5th April 2023
JIllian Strath's avatar
JIllian Strath

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