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Zopa: Car finance reviews

View other Zopa products
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
See only 5 star reviews
94%
See only 4 star reviews
5%
See only 3 star reviews
0%
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0%
See only 1 star reviews
1%

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
Gary Keaney's avatar
Gary Keaney

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
J Ram's avatar
J Ram
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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)

Easy money without any hassle

5
Zopa was one of the lenders that offered car finance and I was pleased that the monthly payment were within my budget even when my finance was spread over 2 years. There was no problems leading up to the finance company paying out. The app is easy to use and I have had no problems since being with them for almost a year. Anyone who is looking for car finance or some other means of credit I would recommend ZOPA to anyone Reviewed on: 21st February 2023
daniel-worley@hotmail.co.uk's avatar
[email protected]

Fast acceptance and great communication

5
Zopa finance my car purchase. I found the application process easy to complete, had my acceptance quickly and funds paid into my bank when promised. I like the bank App and can see my loan, credit card and credit rating whenever I like. Everything has been simplified for the end user and gives you control of your finances easily. Reviewed on: 21st February 2023
claireferrari1@yahoo.com's avatar
[email protected]

Great

5
First class company great service easy to contact and hassle free payment Reviewed on: 21st February 2023
Steve Bannister's avatar
Steve Bannister

Good and easy application

5
Fast quick and efficient with providing car insurance would definitely recommend Reviewed on: 21st February 2023
Danny Williams's avatar
Danny Williams

Great

5
Seamless service, very informative and straightforward, the app gives a lot of features. Reviewed on: 21st February 2023
Emmanuel Afrifa's avatar
Emmanuel Afrifa

Great provider

5
Easy to use app for your credit card. Updates straight away and is clear to read. Reviewed on: 21st February 2023
ian.henderson77@yahoo.co.uk's avatar
[email protected]

Quick, easy and very friendly

5
Really simple application. Once complete they dealt with the car garage direct Reviewed on: 21st February 2023
fez.fez@hotmail.co.uk's avatar
[email protected]

Needed a new car. Payment was done without hassle.

5
Got my car loan sorted within 20 minutes and the payment had been sent to the dealer within a hour or so.. very happy with zopa now I have a credit card with them Reviewed on: 21st February 2023
Barry Sumner's avatar
Barry Sumner

Easy and stress free

5
Getting my car finance through Zopa was quick, easy and stress free. Would recommend to anybody needing car finance Reviewed on: 21st February 2023
Charlie montgomery 's avatar
Charlie montgomery

Exceptional service levels

5
The whole process was very thorough, easy to under and help was available if required. Great customer experience. Reviewed on: 21st February 2023
Steve Hareis's avatar
Steve Hareis

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