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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)

Easy and friendly

Fair price and also good customer service experience Reviewed on: 22nd February 2023

Outstanding service

I needed a bigger car because my family got bigger and Zopa allowed that to happen for me Reviewed on: 22nd February 2023

I would use them again

Easy, informative and hassle free . No issues at all . Would recommend to anyone needing car finance Reviewed on: 22nd February 2023

So easy

So easy to apply And super fast reply Reviewed on: 22nd February 2023

very easy and app is amazing to change payment dates and more

Applied for loan and got it in a couple of hours with no hassle at all down loaded the app and was surprised how easy it was to change things on my loan and with low percentage as well at 4% beat all others 10/10 zopa Reviewed on: 22nd February 2023

Excellent service and after care

I have found Zopa to be an excellent product with a 1st class online facility. Easy to use and understand, plus their attention to detail when giving you qoutes and advice aswell as their after sales care is definitely 10/10 Reviewed on: 22nd February 2023

Effortless lending

Great loan company would highly recommend Reviewed on: 22nd February 2023

Very quick decision and transfer of funds

Needed a short term loan for a big one off payment apples to zoos was a very quick and efficient decision to lend to me. funds transferred immediately solving my problem. Job done would recommend. Reviewed on: 22nd February 2023

Top company

Reliable company!! Easy to use no hassle app and money management Reviewed on: 22nd February 2023

Easy

Easy process and good rates and app Reviewed on: 22nd February 2023

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