Write a review

Go to business site

Zopa: Car finance reviews

Name: Car finance
Rating: 4.89 (790 reviews)

View other Zopa products

4.84

Based on 790 reviews, last reviewed 12th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase 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

Read all reviews Write a review

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.

Review Zopa: Car finance now

Help others make smarter decisions by sharing your own experience.

Write a review

Zopa Car finance reviews (790)

Brilliant choice

I have bad credit and needed to get a new car. With bad credit come expensive rates but zopa not so much and I very happy to be accepted for credit with them and top it all off they let me have a credit card as well. Reviewed on: 13th January 2023

Quick and easy

Great rate and for the money within a couple of hours of applying Reviewed on: 13th January 2023

Hassle Free Car Finance with excellent Customer Service

This is the second time I financed a car with Zopa and I could not be happier. From the first click to apply to the key in the ignition Zopa was very helpful and guided me all the way without judgement. Great company. Reviewed on: 13th January 2023

Easy app

Ease of use of the zopa app. Customers care superb. Reviewed on: 13th January 2023

Easy Peasy

Everything is very easy to organise. Transactions are quick and to pay up early is only a few clicks. Reviewed on: 13th January 2023

Exactly how it should be

First class from start to finish Reviewed on: 13th January 2023

Quick and Easy

Applied for my xar loan it was in place ready to purchase my car within 24hrs. Fantastic service!! Reviewed on: 13th January 2023

Best Loan Company I have Used

I found Zopa to be a breath of fresh air, online presences is good to use and quick. Reviewed on: 13th January 2023

Brilliant!!

Simple, easy, fast, awesome customer service!! Nothing to say more :) Reviewed on: 13th January 2023

Wery good company

Quick service I will recommend everyone Reviewed on: 13th January 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Car Finance
from Northridge Finance 2.79 from 6 reviews
Car loan (discontinued)
from Personal Loans 4U (inactive company) 5.00 from 2 reviews
Car Finance
from First Response Finance 4.95 from 6927 reviews

Want to see more from Zopa?

Current account
from Zopa 5.00 from 2 reviews
Cash ISA
from Zopa 4.94 from 1262 reviews
Smart Saver
from Zopa 4.94 from 7181 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub