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Zopa: Car finance reviews

Name: Car finance
Rating: 4.89 (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)

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

personal and empathetic

always supported..always contactable, always human and fix your needs irrelevant of how frustrating..x Reviewed on: 14th January 2023

Excellent

We have been super happy with Zopa. I would definitely recommend! Reviewed on: 14th January 2023

Human, friendly, honest.

A great finance company, always had quick responses and felt like I was valued. Kept up to date with an intuitive app and emails, not over-sold and feel like the company are invested in my financial health as much as trying to sell me a service. Great rate in a tough climate and friendly pro-active and honest customer service when I’ve needed it. Very deserving of this award. Reviewed on: 14th January 2023

Thank you

Customer service was incredibly nice from the beginning. Ive had 2 separate car finances and on both occasions I took out loans they were helpful. Love the fact I could pay early without any fee. Amazing Reviewed on: 14th January 2023

Best offer

I think make sure pepoes help and thats very best you know i think help pepole Reviewed on: 14th January 2023

Car loan

Very good company to work with very quick to make a decision I am very pleased to be a customer Reviewed on: 14th January 2023

Highly recommended

Easy application and quick delivery of funds, very happy Reviewed on: 14th January 2023

So easy

Zopa made made applying and also being accepted so easy and quick. Would defo recommend and will use again. Reviewed on: 14th January 2023

Easy, clear and straightforward

Very happy with the service from Zopa. Reviewed on: 14th January 2023

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