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Zopa: Car finance reviews

Name: Car finance
Rating: 4.84 (790 reviews)

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4.84

Based on 790 reviews, last reviewed 12th Sep 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

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

Latest lowest rating:

1

Refused car finance they offered me! Applied for car finance for £11459. I have great credit and good income. My application was sent to the underwriters who requested all banking documen... Read more Reviewed on: 12th September 2025

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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.

Zopa Car finance reviews (790)

Review of the Zopa, Car finance:

Excellent service

Excellent service and great rates Reviewed on: 28th February 2025

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

Quick and easy to deal with

It was very straight forward to organise the loan and Zopa have been helpful and easy to deal with Reviewed on: 22nd February 2023

Car Finance

Best interest Rate on the Market, Simple and easy to use platform. Reviewed on: 22nd February 2023

Efficient, friendly and effective.

PAoinless and great online comms Reviewed on: 22nd February 2023

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