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Zopa: Car finance reviews

Name: Car finance
Rating: 4.9 (789 reviews)

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4.86

Based on 789 reviews, last reviewed 12th Jun 2025

97% decrease in 5 star reviews

in the past 90 days

No new 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

My experience with Zopa Bank has been extremely disa... My experience with Zopa Bank has been extremely disappointing and stressful. I financed a car through a hire purchase agreement, expecting reliable se... Read more Reviewed on: 26th December 2024

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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 (789)

Loyal customer

I’ve been with Zopa for a number of years and I always choose them over other lenders because of the consistent low interest rates, easy application process and how quick the availability of funds is made plus their app is extremely easy to use. It helps me to stay on top of lending, keeps my credit score in good shape and ensures my overall credit outgoings are in control. I would recommend Zopa to anyone who is looking to consolidate credit and have it all in one place at a much more affordable rate. Thank you Reviewed on: 22nd February 2023

Easy, safe and secure finance

All the application was done online and once checks had been done it was organised. The process was simple and stress free and those are two vital things that people need to give them confidence in a product and provider. Excellent. Reviewed on: 22nd February 2023

Quick and easy

Applied on line, a very simple process then when everything was signed money was in my bank within a hour. Couldn't be any easier Reviewed on: 22nd February 2023

Reliable and easy to work with

The experience with Zopa has been nothing but a pleasure. The comms and the ease of administration make Zopa stand out from the competition. Reviewed on: 22nd February 2023

A excellent loan company

A very very excellent loan company that provides clear concise information about your loan and what it involves. Everything is laid out in black and white and they ensure that you fully understand what is required of you before and after taking out a loan. Once you have the loan they keep you up to date of everything that is going on, interest rates, changes to date payments, your balance, and what is left to pay. As I say an excellent loan company. Reviewed on: 22nd February 2023

Zopa - Good Service Good rates

I have used Zopa for anumber of year now, for a range of loans. Currently almost paid off my Car loan. Zopa were quick to approve and the money was avaliable as needed. staff have always been helpful & the range of products is good. I plan to open savings accounts when the loan is repaid as the savings rates are very competitive. Reviewed on: 22nd February 2023

Quick and easy and low interest rates

Best low interest rates, and able to get the quote done in under an hour was amazing Reviewed on: 22nd February 2023

My review

Totally satisfied with this company, total understandings with repayments very good schedules dates. Very well informed of other products excellent company Reviewed on: 22nd February 2023

Trust/Respect

With not having a great financial record Zopa offered me a chance to get a car loan with a better apr than my bank. Several years later , car paid off i went back to get another car loan . Easy /trustworthy/ respectful Reviewed on: 22nd February 2023

great product

I liked that the decision was made quickly Reviewed on: 22nd February 2023

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