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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.

Zopa Car finance reviews (790)

Review of the Zopa, Car finance:

My experience with Zopa Bank has been extremely disa...

My experience with Zopa Bank has been extremely disappointing and stressful. I financed a car through a hire purchase agreement, expecting reliable service and support. However, when the car developed a major fault within a few months, Zopa failed to take responsibility or provide adequate assistance. Despite clear evidence that the car was not of satisfactory quality at the time of purchase, Zopa dismissed my complaints and declined to resolve the issue. Instead of addressing the problem, they focused on technicalities, such as disputing whether I was authorized to have the car inspected. This lack of accountability and customer support was incredibly frustrating. Adding to the stress, Zopa reported missed payments to my credit file while I awaited a decision, severely impacting my credit score. Their approach caused unnecessary hardship during an already difficult time. It was not until the Financial Ombudsman Service intervened that Zopa was forced to take appropriate action, including refunding my payments and resolving the matter with the faulty car. This case highlights Zopa reluctance to act fairly without external pressure. I strongly advise anyone considering Zopa Bank for financial products to think twice. Their customer service and dispute resolution process are inadequate, and their handling of this situation has left me deeply dissatisfied. Reviewed on: 26th December 2024

Good fast service

Good fast service done whatever they said they would quickly Reviewed on: 31st March 2025

Outstanding company

Always been very helpful and very friendly team. Reviewed on: 31st March 2025

Easy clear a precise car finance

Took out car finance, process easy and clear, first time taking finance out for large amount, made easy and was able to understand all terms. Easy to track payments and set up direct debit to ensure payments are on time each month. Reviewed on: 28th March 2025

Easy service

Easy service and gets the best deal. Reviewed on: 19th March 2025

Every time I've had to ring for advice.

Every time I've had to ring for advice. I've got through to an experience customer advisor. Always my question/ query about payments have always been resolved within minutes. Best financial company I've been involved in. Reviewed on: 28th February 2025

Great people to deal with, friendly staff, couldn't...

Great people to deal with, friendly staff, couldn't as for anything better. Reviewed on: 28th February 2025

Greatz service at a very competitive interest rate.

Great service at a very competitive interest rate.. No pressure sales an advantage. Reviewed on: 28th February 2025

Excellent company , can’t fault them.

Excellent company , can’t fault them. Customer service as great Reviewed on: 28th February 2025

Excellent service

Excellent service and great rates Reviewed on: 28th February 2025

I bought a car on finance through Zopa, and found it...

I bought a car on finance through Zopa, and found it easy to apply. Once I had choose the car, it was not long before I took it home. Every month I get a reminder that direct debit is do to come out in a couple of days making sure you have enough fun's in the account Reviewed on: 28th February 2025

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