Smart Money People Logo
Go to business site
Share this page
Link copied

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%
See only 2 star reviews
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 Write a 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.

Review Zopa: Car finance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Zopa Car finance reviews (790)

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

Car finance

5
Everything went quick, nice and smooth. Not asking irrelevant questions. Reviewed on: 5th April 2023
Catalina Zaharia's avatar
Catalina Zaharia

Pretty good .

4
Pretty good with the app to keep track of things .Just interest on my loan was a little bit expensive but overall a good experience so far . Reviewed on: 5th April 2023
Eamon's avatar
Eamon

Brilliant

5
From the application, to getting my car they were brilliant. I had an advisor I could contact who was able to guide me through the process and answer all my qut. Reviewed on: 5th April 2023
Gill Gibson's avatar
Gill Gibson

Easiest Car Finance

5
Zopa make it really straightforward to obtain a car loan and unlike other providers (I am looking at you AA Car Finance) they are clear of the costs at every stage. Filled in the form and the money went straight into my account. Reviewed on: 5th April 2023
Nick's avatar
Nick

Easy

5
The process of creating a loan with Zopa was very easy and quick but safe. Reviewed on: 5th April 2023
Stuart's avatar
Stuart

Efficient, helpful, seamless

5
Zopa provided my car finance, everything was straightforward from the beginning. Good, clear communication & a very efficient service! Reviewed on: 5th April 2023
Lianne Gates's avatar
Lianne Gates

My price of mine

5
Can’t thank ZOPA enough for my car lone and my daughters car lone ! I was in the car dealership and fancied a new car and the dealers interest rate was not what I was expecting. So I downloaded ZOPA and trust me when I say within minutes I had the desired amount in my account. Absolutely tremendous service and I would totally recommend to all my friends and family Gary Reviewed on: 5th April 2023
Gary small's avatar
Gary small

Brilliant customer service

5
So quick and straightforward. Lovely friendly staff Reviewed on: 5th April 2023
Eleanor Cunningham's avatar
Eleanor Cunningham

Car finance

5
Quick and excellent service. Simple to use the website does not ask you the same question over again. Reviewed on: 5th April 2023
Jayne Crane 's avatar
Jayne Crane

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from Zopa?

  • Cash ISA

    from Zopa 4.95 from 1454 reviews
    Zopa

  • Current account

    from Zopa 4.94 from 5780 reviews
    Zopa

  • Smart Saver

    from Zopa 4.94 from 7494 reviews
    Zopa
    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill