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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:

Easy service

Easy service and gets the best deal. Reviewed on: 19th March 2025

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

Easy peasy

Couldn’t have been simpler, all online, quick replies and the app is useful too! Reviewed on: 22nd February 2023

Great service and very easy

From start to the money going into my account was less than 40 minutes. So simple and easy. Reviewed on: 22nd February 2023

Quick, Efficient with good interest rates

The interest rate was better than with Car linked HP. I wanted to buy my car outright, not via PCP or HP linked to the car, giving me the option to resell and change car mid term. Zopa ticked all the boxes and was quick, efficient to set up. Reviewed on: 22nd February 2023

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