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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 hustle free.

Quick and hustle free. The team were polite and friendly. Top class service Reviewed on: 22nd April 2025

I hadn’t had car finance before &...

Really helpful as I hadn’t had car finance before & they explained everything Reviewed on: 22nd April 2025

Very professional kompany good stuff and applicati...

Very professional kompany good stuff and applications Reviewed on: 22nd April 2025

Well informed and easy transaction, options made eas...

Well informed and easy transaction, options made easy with easy access to early settlement figures. Reviewed on: 22nd April 2025

So easy to apply with a quick answer.

Easy application quick response and accepted. Good rate of interest. East to read contract paid dealer direct and on the agreed date. Direct debit date available on app so you know when payment coming out of my account. Included in the app so you can see how the loan is going and how long left to pay including fast easy settlement figure Reviewed on: 20th April 2025

Credit where it is due

5 year finance at only 2.8%., wonderful lowest rate on the market. Fast and efficient. Reviewed on: 17th April 2025

Zopa have helped me achieve a car for my family, tha...

Zopa have helped me achieve a car for my family, that fit our needs. Reviewed on: 17th April 2025

Easy to deal with and great customer service

Easy to deal with and great customer service Reviewed on: 16th April 2025

Thanks Thanks Thanks Thanks Thank You

Thanks Thanks Thanks Thanks Thank You Reviewed on: 16th April 2025

Car Finance through Zopa is quick and convenient ma...

Car Finance through Zopa is quick and convenient making good their promise. Monthly payments affordable. I would recommend Zopa for a loan and car finance Reviewed on: 16th April 2025

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