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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)

Easy application and friendly service

I was in need of a new car and decided to try Zopa. It was the best decision I could of made. Reviewed on: 14th January 2023

Excellent

Very fast and prompt from the beginning till the end. It only took a few days. Reviewed on: 14th January 2023

Great trouble free

So helpful I HAVE HAD A LOAN WITH THEM FOR 5 YEAR'S Reviewed on: 14th January 2023

Easy, great app,

I got a great value loan for my car. The app is easy you can also pay extra each month if you want to. highly recommend Reviewed on: 14th January 2023

Easy to use website, plenty of information and realy effiecient

I found a car and didnt want to miss out on it last year, i applied online and on the same night got accepted with cash in bank by next day, never seen such an efficient process before, i receive regular updates in accounts and further options if i wanted to renew my loan for any reason Reviewed on: 14th January 2023

Reasons for voting Zopa the bed

Had my Zopa credit card now for nearly two years I find it to be first class great low interest rates able to spend securely overall can fault it I get regular credit increases and kept up to date on other products Zopa app is great able to find all the details I need and able to do all I need to online I also feel valued Reviewed on: 14th January 2023

Zopa review

Applying for loan very simple. Quick response. App very useful. Reviewed on: 14th January 2023

So incredibly easy

The application process was quick and easy and the money came through almost immediately once approved. I also like the fact that I get notifications to tell me that the direct debit is due and a quarterly statement to show me how much I've paid off. Reviewed on: 14th January 2023

Pleasure to deal with

Right from start to finish , the professionalism and ease has been first class . Very pleased Reviewed on: 14th January 2023

Easy to arrange

I have a loan, credit card and car finance with Zopa and each application has been easy to do and quick to get a result. They dealt directly with the car dealership so I had my new car in less than a week. The loan money was in my account in less than 24 hours. I can manage everything online. Reviewed on: 14th January 2023

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