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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)

Good help to build credit score

Good when thinking of building credit score Reviewed on: 13th January 2023

Quick, easy, done!

Set up a car finance loan- so easy to set up, quick response and the app is a great tool to use! Quick, Easy, done! Reviewed on: 13th January 2023

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

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