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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)

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

Amazing company

I have both credit card and car finance with this company and can honestly say they are an absolute delight to deal with .... Very efficient and the customer service is outstanding .... Would defiantly recommend. Reviewed on: 21st February 2023

Quick and easy process

Very quick and easy to complete the application. The person who helped me find my car checked thoroughly all aspects. Can't think of anything else they could of done for me apart from pay for the car lol. Reviewed on: 21st February 2023

Great company

I have a credit card and finance from Zopa. It’s great Reviewed on: 21st February 2023

Smooth easy process throughout

I used Zopa for my car finance. From start to finish the whole process was very quick and so easy. The staff were brilliant. Thank you so much Reviewed on: 21st February 2023

Easy and simple

The team at Zopa are all there to help you and very friendly to not once as any off the team been rude Reviewed on: 21st February 2023

Best

Zopa you are The best, keep going same.thank you Reviewed on: 21st February 2023

Easy and quick

Was not aware that Zopa offered loans for car finance, came across by complete accident even though I have had a credit card with them for years. From start to finish was so quick ans easy, could not complain Reviewed on: 21st February 2023

Brilliant

Brilliant very fast and rely helpful friendly phone service very happy Reviewed on: 21st February 2023

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