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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)

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

Quick, simple and Efficient.

Impressed with the easy step by step process an the way Zopa kept me informed of progress. Reviewed on: 16th January 2023

Zopa, they go that bit extra to deliver

Zopa couldn't do enough to help get me want i wanted they are always willing to the extra bit to satisfy customer needs Reviewed on: 15th January 2023

Quick and efficient

I have used Zopa on several occasions and have always found them responsive and their processes efficient. They communicate immediately, qive clear timelines and meet them. Reviewed on: 15th January 2023

Excellent Service from Zopa

Excellent friendly service from application to final agreements. Personal contact from very professional and knowledgeable staff who assisted at every step of the application process. Also like the fact that every month I get notification prior to my monthly payment and continued offer of support should there be any problems. Really nice helpful and friendly staff who understood I was not skilled in IT and put me at ease through the online process. Reviewed on: 15th January 2023

A lender to hat rewards loyalty

I've used zopa for loans credit cards and savings too. Every wee while I get suggestions on how to improve my credit rating. Although I didn't get a balance transfer option - I got a good rate and always pay in full anyway. Saving pots are handy and competitive. My loan is paid off early with a seamless process. Apr was in single digits so. Very happy. Reviewed on: 15th January 2023

Seamless process

Money was in account in less than two hours. Perfect. Reviewed on: 15th January 2023

Relief

This card has got me out of some hairy corners thanks ZOPA Reviewed on: 15th January 2023

Happy customer

Friendly service and cheap car finance. Highly recommended. Reviewed on: 15th January 2023

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