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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)

Finance

Quick and easy to apply , money transferred immediately after acceptance. Reviewed on: 22nd February 2023

So easy!

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

Brilliant service

The application action process is quick and very straightforward forward Reviewed on: 22nd February 2023

Car finance

Very straight forward process and competitive rates at the time of purchase Reviewed on: 22nd February 2023

Very satisfied

From start to finish it was seamless Reviewed on: 22nd February 2023

Great app to see progress

Helpful app to overpay if required. Projections of reduced monthly payments are instantly produced if overpayments are checked before going ahead. Reviewed on: 22nd February 2023

Great fast service

I had to change my car because of ULEZ I had tried other lenders, with higher and longer rates. Zopa was soo fast l was amazed, got a quote and approved in minutes, and not a lot of endless forms. Got my car! 10 out of 10 for me. Reviewed on: 22nd February 2023

Good Company

Documents were arranged very quickly Reviewed on: 22nd February 2023

Great app easy to keep up to date

Had a Zopa loan for 3 years now and had no issues at all, so easy to keep track using the app Reviewed on: 22nd February 2023

Good

Easy quick car finace, no hassles to apply and quick funds Reviewed on: 22nd February 2023

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