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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 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

Quick and easy, No nonsense App is useful

Quick and easy, No nonsense App is useful Reviewed on: 22nd February 2023

Good company to get help from

No hassle got approved quickly. Very happy overall Reviewed on: 22nd February 2023

Top class digital lender

I have thoroughly been amazed with the top class digital lending journey Reviewed on: 22nd February 2023

simple

i loaned money for a car and use the APP i can save money, pay extra off, the app is so good it makes life easy. Reviewed on: 22nd February 2023

Very Professional

Quick decision - transparant and friendly. Website is also very good. Reviewed on: 22nd February 2023

Easy

Easy to use the app, fair interest rate. Easy to get help when needed Reviewed on: 22nd February 2023

friendly and easy service to use

I have two loans and each time its easy to apply, and manage them, I found them very friendly and really helpful Reviewed on: 22nd February 2023

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