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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)

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

Fantastic company

Easy to work with. 5star service Reviewed on: 14th January 2023

Brilliant Product And Service

Car finance application approved in next to no time, really clear and easy to use app and very informative. Various payback options all through the app are a winner. Reviewed on: 14th January 2023

Simple to use

simple to use simple and really useful in that i can repay as much as i want Reviewed on: 14th January 2023

Great service

Helpful, professional advice from advisors who understand your needs Reviewed on: 14th January 2023

Always helpful

Been a member for nearly a year and I’ve never had an issue. Reviewed on: 14th January 2023

No one comes close to zopa.

I used zopa about 7 years ago when I wanted a loan for a car. Looked on the usual compare sites but nothing came close to the rates zopa were offering. The experience from start to finish on my loans with them have been amazing and I highly recommend anyone who needs that step should look no further. Reviewed on: 14th January 2023

Ex company no hazzle

Straight forward and very helpful agents Reviewed on: 14th January 2023

Cheapest car finance around

By the the cheapest car finance rates around that I could find, hassle free application from start to finish Reviewed on: 14th January 2023

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