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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)

Excellent service

5
User friendly, excellent rates, and I love that there is an easy to use app so I can see exactly how my loan is and can make extra payments when I am able to. Reviewed on: 25th January 2023
Jacqui le Fay's avatar
Jacqui le Fay

Easy to deal with and keeps you updated

5
Great company to talk to and easy to arrange loans Reviewed on: 25th January 2023
Alexander fraser's avatar
Alexander fraser

Quick and easy

5
Very quick and easy application process. Love the app that gives me up to date information and control over my repayments. Everything is clear and accessible. Reviewed on: 25th January 2023
Lynn Vincent's avatar
Lynn Vincent

Quick cash

5
Made an enquiry about a loan and was very quickly accepted Reviewed on: 24th January 2023
Alex's avatar
Alex

Great Experience

5
I had an amazing experience. Everything went smoothly, and setting up the account and insurance was very easy. Definitely recommend Reviewed on: 24th January 2023
Anonymous's avatar
Anonymous

Great company

5
Had credit with other companies but I find zopa to be very fair and I've had no problems at all with them. Customer service is great. I can highly recommend. Reviewed on: 21st January 2023
Rachael1456's avatar
Rachael1456

Fast easy no hassle

5
Picked my car within 24 hrs all sorted nice and easy Reviewed on: 21st January 2023
Paul Hughes's avatar
Paul Hughes

Useless at solving their own issue.

1
Took out car finance through Zopa and it has been a week since I first applied and the dealer is still waiting for the funds. They keep saying that the dealer provided them with the wrong account details, which the Dealer did resolve on Monday. It's Wednesday and they're still saying that they've got the wrong details and are "trying" to fix it. Today's excuse was that the Supervisor was in meetings the whole afternoon and wouldn't have time to look at the problem today. Is that my issue or his? The car is ready and waiting but they cannot pull the finger out of their back side and resolve their own issue. Reviewed on: 18th January 2023
Robert Kotula's avatar
Robert Kotula

First class company

5
Very easy company to work with from start to finish Reviewed on: 18th January 2023
Geoff Finch's avatar
Geoff Finch

Very nice and punctual

5
Quick and easy is working very nicely just wait few days for my financial and after I collect my car Reviewed on: 17th January 2023
Ioan kallo's avatar
Ioan kallo

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