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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)

Clear terms

Easy to apply and clear/uncomplicated to understand the terms and conditions. Money was instantly in my account. Reviewed on: 23rd February 2023

Quick and easy availability of funds

It was totally amazed at the quick response by Zopa, the money arrived within 1 hour of applying for this car loan jn the middle of the night, it really impacted my life positively. Thanks Zopa! Reviewed on: 23rd February 2023

I am very satisfied with the loan I received

I received the money for the car very quickly and efficiently Reviewed on: 23rd February 2023

Best small loan company ever

Good rates ,easy to set up . Very accessible account update . Reviewed on: 22nd February 2023

Hassle free finance

Zopa gives you full control over your finance or a loan, providing a numerous options to choose from. You can move repayment date to suit your needs or make an extra payment if you want to. Everything about them is crystal clear and the app that lets you access your products is pretty straightforward. You can even view your credit score and see if you’re eligible for more products. I would definitely recommend it to anyone who is looking for a low cost borrowing solution. Reviewed on: 22nd February 2023

No nonsense loans

Friendly helpful and understanding . I wouldn't go anywhere else. Fair interest rates. I wouldn't go anywhere else Reviewed on: 22nd February 2023

Great Allrounder

Easy to set up, good communication which is clear and concise, easy access to account, not bombarded with emails. I would definitely recommend to others. Reviewed on: 22nd February 2023

First class

From the very start I knew what was happening and when it would happen. All charges fully explained, clear and very helpful. Reviewed on: 22nd February 2023

Great user interface

Faultless customer experience with Zopa and a lovely user interface managing it through their app Reviewed on: 22nd February 2023

Got the loan in a timely manner

The process of accessing the loan was smooth and straightforward. It was an amazing experience and I have already recommended friends and family who have had same experience. Thank you Reviewed on: 22nd February 2023

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