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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)

Excellent

Helpful, Easy App to use, Well Informative of any changes. Overall a Very Good Company Reviewed on: 21st February 2023

Overall good customer service is provided

Good customer service, need to utilise technology so updating details is quick and efficient. Reviewed on: 21st February 2023

No hassle credit

Never had to call as everything is in the app, and always informs me of what is going on, thank you Zopa Reviewed on: 21st February 2023

Great find

No fuss, good communication. Definitely recommended Reviewed on: 21st February 2023

Excellent service

Fast friendly service. No issues when buying my car Reviewed on: 21st February 2023

Great service

Excellent service and very helpful throughout the process Reviewed on: 21st February 2023

great originally but poor when i tried to change my car for a different one

I am a zopa customer with both credit card and car finance, initially they were excellent but their customer service was a huge letdown when i tried to chaneg my car for a different one, could only try do it via app and declined me as obviously i had 20k outstanding on another car (this would be settled by part exchange) i tried numerous departments and none were useful to answer my request hence my room for improvement score. shame as apart from that they have been really good. Reviewed on: 21st February 2023

It was amazing how easy it was to apply and it feels like it was customised for me

I’m grateful to have a zopa account Thank you Reviewed on: 21st February 2023

Amazingly fast process

My car finance was approved within a day and I picked my car the next day. Reviewed on: 21st February 2023

Easy and non daunting

What a great personalised company where you can easily speak to the same representative, simple application and everything was stream lined and fab communication Reviewed on: 21st February 2023

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