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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.

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Zopa Car finance reviews (790)

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

Excellent company

Everything done very quickly and made so easy great company Reviewed on: 22nd February 2023

What more can you ask for.

I arranged my car finance through Zopa without any issues, I have now paid it off in full and have taken out a credit card with them..... excellent service. Reviewed on: 22nd February 2023

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