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Zopa: Car finance reviews

View other Zopa products
4.63
Based on 791 reviews, last reviewed 1st Jun 2026
No new 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
94%
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5%
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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

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
Willow Green's avatar
Willow Green
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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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Zopa Car finance reviews (791)

Great company

5
Easy and efficient process and easy app to use Reviewed on: 22nd February 2023
Kirsty Rogers's avatar
Kirsty Rogers

Car Finance

5
I struggled to get car finance from the car company directly so contacted Zopa (I already had a loan with them already) and it was all done within 10 minutes. From initial application, to speaking to the advisor on the phone and securing the loan was extremely easy. Zopa for me really is becoming the go to company. Highly recommend Reviewed on: 22nd February 2023
D Thorpe's avatar
D Thorpe

Easy service to use

5
I applied for car finance through the Zopa app a couple of years ago. Since then it’s been really easy to manage my payments and pay a little extra off each month if I want to. I’ve had a great experience with them, and would recommend them to anybody. Reviewed on: 22nd February 2023
Dee Dundon's avatar
Dee Dundon

Just the job!

5
Simple, cheap and quick...what more can you ask for Reviewed on: 22nd February 2023
Neil Mackland's avatar
Neil Mackland

Beyond exceptional customer service

5
Was able to sit back and not worry about the purchase of my vehicle because Zopa took care of everything. The only thing they couldn’t do was drive it - they left that job to me Reviewed on: 22nd February 2023
bev reed's avatar
bev reed

Uncomplicated and fast

5
Smooth fast service with very little administrative work all completed on my mobile phone. Reviewed on: 22nd February 2023
Brian Freeman's avatar
Brian Freeman

Finance

5
Finding a reputable company these days are hard to find but everything was straight forward and no issues at all, I would definitely use this company again. Reviewed on: 22nd February 2023
Melanie 's avatar
Melanie

Quick and easy.

5
Nice and quick, easy applications with a good app for management. Easy to contact and helpful. Reviewed on: 22nd February 2023
james.p.king@aol.co.uk's avatar
[email protected]

Fast and efficient

5
Fast payment, also like monthly payment alerts to pre warn you of a payment due. Account site easy to use and options to pay more if affordable Reviewed on: 22nd February 2023
Dean Jones's avatar
Dean Jones

Finance

5
Quick and easy to apply , money transferred immediately after acceptance. Reviewed on: 22nd February 2023
Tracey Gould's avatar
Tracey Gould

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