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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)

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

Very easy to deal with and very competitive rates

Very easy to deal with and very quick in correspondence with me .good competitive rates.would definitely use again Reviewed on: 16th January 2023

Simple, quick and Easy

A simple easy online process and and excellent app for viewing your loan details and payments. Reviewed on: 16th January 2023

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