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Zopa: Car finance reviews

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4.86
Based on 789 reviews, last reviewed 12th Jun 2025
88% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
94%
See only 4 star reviews
5%
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0%
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0%
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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

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 se... Read more Reviewed on: 26th December 2024
Tosin J's avatar
Tosin J
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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 (789)

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

So easy!

4
The whole experience was ridiculously easy, applied and the money was in my account within 1hr! Reviewed on: 22nd February 2023
Damien Wicks's avatar
Damien Wicks

Brilliant service

5
The application action process is quick and very straightforward forward Reviewed on: 22nd February 2023
Sandra Toal 's avatar
Sandra Toal

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