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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)

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

I already recommended to many of my friends

It was very quick and easy to get the finance. Very helpful staff and no nonsense questions. Reviewed on: 22nd February 2023

Excellent service

Excellent service and fantastic customer experience Reviewed on: 22nd February 2023

Perfect experience

It’s been a perfect experience and the customer service was fantastic. Reviewed on: 22nd February 2023

Satisfaction Guaranteed

Almost at the end of my car loans and I couldn’t recommend them high enough. Easy to set up, easy app to see your progress and you are never sent any junk mail. Perfect. Thank you. Reviewed on: 22nd February 2023

Car loan

Very easy to apply and very quick response . All done on line and a very efficient. Zopa app is great to keep a track of my payments and balances .Would definitely recommend Zopa Reviewed on: 22nd February 2023

Excellent customer service

Had a fantastic experience buying a car with Zopa finance. Would highly recommend. Reviewed on: 22nd February 2023

Made me feel valued

Gave me the loan at a very good rate. The app gives you an update on what’s left to pay and that gives you encouragement seeing the balance go down Reviewed on: 22nd February 2023

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