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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)

Excellent company to deal with !

Great experience with Zopa loans. Fast and efficient service. The app a great to keep track of my loan. Would definitely recommend Zopa and will use again. Reviewed on: 22nd February 2023

Top rate.

Easy to deal with loan at a great interest rate. Best on offer. Reviewed on: 22nd February 2023

Great rates and service

I found dealing with Zopa very easy. Everything was set up and sorted within minutes! They offered a very competitive rate and super service Reviewed on: 22nd February 2023

Easy loan

Good communication, easy to read updates Reviewed on: 22nd February 2023

Car loan

Great service, easy transactions everything managed from the app. Reviewed on: 22nd February 2023

Superb Company

I've been with Zopa for a number of years and had two car finances with them. I've had loans with other companies and something has gone wrong with every one of them, but not Zopa; with Zopa, I know I can trust in the products and have confidence that a quote will always be the best deal. Reviewed on: 22nd February 2023

The best so far!

Really easy and fast to use, I had a really good experience so far Reviewed on: 22nd February 2023

Quick an easy

I applied for a loan at the age of 70 expecting some issues. But no problems at all. Would definitely recommend. Reviewed on: 22nd February 2023

Excellent

Cant fault anything , brilliant service Reviewed on: 22nd February 2023

Soooo Simple!

No fuss. No lengthly application process. No waiting for days to find out. My new car was on my drive 4 days after applying for a loan ! Soooo Simple! Reviewed on: 22nd February 2023

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