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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)

First class company

Very easy company to work with from start to finish Reviewed on: 18th January 2023

Very nice and punctual

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

Car loan

Very quick and professional.Everything explained in detail Reviewed on: 17th January 2023

car loan

Just very easy to deal with.The online app, is simple to use Reviewed on: 17th January 2023

Excellent straightforward process

Excellent experience with Zopa, straightforward and easy to complete the application and the finance arrived as promised. Highly recommend Reviewed on: 17th January 2023

Good communication

Short experience, I’m happy to working this bank Reviewed on: 17th January 2023

Slick & easy application with friendly and knowledgeable staff

The application can be done online or telephone with only 2 pieces of documentation and speedy turnaround when approved. I was very impressed when calling to make an initial enquiry and found as a consequence it has improved my credit rating. Money in my account within 1 hour r approval which meant I could progress with the car purchase straight away. Thank you Zopa! Reviewed on: 16th January 2023

Awesome loan

I was given a great rate and flexible agreement and a no hassle set up . Reviewed on: 16th January 2023

Amazing

Fair rates, and none of the hassle Reviewed on: 16th January 2023

Efficient and good rates

Efficient process and helpful onboarding team. Good rates secured and good communicators. Reviewed on: 16th January 2023

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