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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

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

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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)

Best credit card ever

The process for applying was quick and straight forward. The app is the best app I have seen to manage your credit card. Everything you need is at your fingertips. I would definitely recommend Zopa to my friends and family Reviewed on: 13th January 2023

Straight forward and very helpful

The phone advisors were extremely helpful, no trying to push me into buying a car, I took my time and they helped in in any way they could. Reviewed on: 13th January 2023

Zopa give me golden chance to get back on track and build my credit rating

My credit card has give me options to buy things and don’t after pay till mouth after Reviewed on: 13th January 2023

Excellent service

I applied to zopa for car finance and they took care of everything for me fantastic service for the 1st phone call till the end would 100% recommend top top service from start to finish Reviewed on: 13th January 2023

Car loan

Process from start to finish was seamless Easy app to keep track of payment schedule. Quick response to any issues. Reviewed on: 13th January 2023

Brilliant

Car finance done in less than a day Reviewed on: 13th January 2023

Great communication from this company

We took out a loan just under 12 months ago. We downloaded the app and can’t recommend the communication you get each month. Brill Reviewed on: 13th January 2023

Fast and useful service

After tried others company, Zopa as been the most reliable and quicker one to satisfy me. Made check in minutes and I received the money in my bank account after just half an hour. Also their app is versatile and easy to use. I will recommend Zopa to everyone. Reviewed on: 13th January 2023

Head and shoulder ahead of the rest

Zopa are far the best loans companies I have ever had the pleasure of dealing with. Great customer service and brilliant app to monitor payments and balance. The app is better than high St banking apps. Reviewed on: 13th January 2023

Car finance

Zopa were super easy and convenient to deal with whilst selecting a company to take out my car finance with. Website is easy to navigate and keep up to date with payments. Reviewed on: 13th January 2023

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