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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)

Best by far.

Fantastic service with and easy straight forward application process and a nice low interest rate. Reviewed on: 5th April 2023

Easy finance

Had a few loans through Zopa. Very easy to manage, clearly set out and offers a low interest rate. Will use again! Reviewed on: 4th April 2023

Hassle free

SMOOTH APPLICATION PROCESS.. WOULD USE AGAIN Reviewed on: 4th April 2023

Car Finance

Easily accessible and very friendly staff who guide you well in the correct direction Reviewed on: 4th April 2023

Fantastic company

Would definitely use again, great app that gives you all the details you need for your account Reviewed on: 4th April 2023

Good lending platform

Good lending platform. Website it accurate and easy to use. Reviewed on: 4th April 2023

Excellent

I have received excellent service in my finance dealings with Zopa Reviewed on: 4th April 2023

Fab service

Great products, great value and great customer service Reviewed on: 4th April 2023

Transparent!

Love the way Zopa are completely upfront with their loan model, this gives me a sense of comfort when taking out a loan! Reviewed on: 4th April 2023

Had car and personal loans from Zopa! Highly recommended!

I’ve had two car loans and two personal loans from Zopa over the years. Very competitive interest rates and extremely helpful customer service, too! Highly recommended Reviewed on: 4th April 2023

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