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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.

Zopa Car finance reviews (790)

Review of the Zopa, Car finance:

great company easy to use app great rates well worth...

great company easy to use app great rates well worth putting at the top of your list when getting finance Reviewed on: 26th April 2025

Finance made easy

Finance made easy!!! Funds were sent to me the same day, managing the direct debit and keeping track via the portal is super quick and easy too. Great customer journey Reviewed on: 14th January 2023

Easy

Quick, easy service when purchasing Reviewed on: 14th January 2023

Simple

The whole experience could not have gone any better, I have a very low credit score and still found that they could help and it was all sorted a lot easier that I could have imagined. Thanks I have no regrets at all Reviewed on: 14th January 2023

Flexible and brilliant

I have car finance and a personal loan with Zopa and everything has been so simple and flexible. You can change dates whenever you like, make extra repayments which lowers your monthly costs or pay in full whenever you like which reduces interest. I've never had anything so simple and easy. 5* service. Reviewed on: 14th January 2023

Awesome

Never had a problem at all excellent Reviewed on: 14th January 2023

Brilliant

Fantastic customer service and support, friendly people Reviewed on: 14th January 2023

Car finance

Absolutely an excellent company to deal with, from the start of the application right up to collection of the new vehicle nothing was to much trouble, every step excellently explained by very competent staff Reviewed on: 14th January 2023

Great company to deal with

I have a card and a car loan with Zopa and from start to finish they were a pleasure to deal with Reviewed on: 14th January 2023

Great service

I can’t recommend Zopa enough. Always reliable and the communication is the best I’ve experienced from any company. Reviewed on: 14th January 2023

Gave me a Financial Life

My wife used them and said try after several years of No Credit help or at %APR rates that were shocking. App is very easy to use. They have trust in me and offered loan rates not only affordable but close to many other lenders. They helped build my credit history and trust that gave me a financial life. I love them. Reviewed on: 14th January 2023

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