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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)

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

Amazing

Very good service throughout the whole journey Reviewed on: 22nd February 2023

No hassle, quick and easy!

Fantastically easy to set up, I've never for a moment regretted using Zopa Reviewed on: 22nd February 2023

Straight forward

Very straight forward company really easy to deal with and get things set up. Reviewed on: 22nd February 2023

Simple and easy

This was the easiest deal with no fuss. Got my car sorted stress free. Reviewed on: 22nd February 2023

Car loan

Excellent service, very easy to get it all actioned. Reviewed on: 22nd February 2023

well done

good value and seamless procedure Reviewed on: 22nd February 2023

Would reccomend ZOPA

I applied for car finance. I received a decision the same day and the funds were sent to the garage the next day. I definitely would recommend ZOPA. Reviewed on: 22nd February 2023

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