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Zopa: Car finance reviews

Name: Car finance
Rating: 4.89 (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:

My experience with Zopa Bank has been extremely disa...

My experience with Zopa Bank has been extremely disappointing and stressful. I financed a car through a hire purchase agreement, expecting reliable service and support. However, when the car developed a major fault within a few months, Zopa failed to take responsibility or provide adequate assistance. Despite clear evidence that the car was not of satisfactory quality at the time of purchase, Zopa dismissed my complaints and declined to resolve the issue. Instead of addressing the problem, they focused on technicalities, such as disputing whether I was authorized to have the car inspected. This lack of accountability and customer support was incredibly frustrating. Adding to the stress, Zopa reported missed payments to my credit file while I awaited a decision, severely impacting my credit score. Their approach caused unnecessary hardship during an already difficult time. It was not until the Financial Ombudsman Service intervened that Zopa was forced to take appropriate action, including refunding my payments and resolving the matter with the faulty car. This case highlights Zopa reluctance to act fairly without external pressure. I strongly advise anyone considering Zopa Bank for financial products to think twice. Their customer service and dispute resolution process are inadequate, and their handling of this situation has left me deeply dissatisfied. Reviewed on: 26th December 2024

When I had my poor credit history history, Zopa was...

When I had my poor credit history history, Zopa was the first bank offered me the car finance Reviewed on: 22nd April 2025

Great app, easy to understand and follow great to ha...

Great app, easy to understand and follow great to have all my zopa accounts 1 app Reviewed on: 22nd April 2025

Great rates, Friendly and competent staff

Great rates, Friendly and competent staff Reviewed on: 22nd April 2025

Very good and very clear from start to finish

Very good and very clear from start to finish Reviewed on: 22nd April 2025

Excellent service that’s it in a nutshell.

Excellent service that’s it in a nutshell. Reviewed on: 22nd April 2025

Zopa has the best products and services.

Zopa has the best products and services. Zopa provides great suppor for customers. Reviewed on: 22nd April 2025

Very fast and reliable payout for my car finance.

Very fast and reliable payout for my car finance. Few bottlenecks and a very good customer service as well. Reviewed on: 22nd April 2025

Hi i have Good experiene with zopa.

Hi i have Good experiene with zopa. There is on issue that is almost one year i have zooa but still my credite £250. Reviewed on: 22nd April 2025

Quick and hustle free.

Quick and hustle free. The team were polite and friendly. Top class service Reviewed on: 22nd April 2025

I hadn’t had car finance before &...

Really helpful as I hadn’t had car finance before & they explained everything Reviewed on: 22nd April 2025

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