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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)

Excellent service start to finish

Great, simple, efficient service at each contact. Wouldn’t hesitate to recommend to anyone. Reviewed on: 13th January 2023

Pre-approved Car Loan

Applied for a car loan - pre approved which has no effect on credit score. Great interest rate too considering recent BOE increases. Money was in my account within a few hours. Extremely easy to apply Reviewed on: 13th January 2023

Fantastic customer service.

Help me get my card activated real good help thank you. Jaime Tovar Reviewed on: 13th January 2023

Car and credit card

Amazing app amazing customer service Reviewed on: 13th January 2023

Excellent service

Easy to use and understand the app Reviewed on: 13th January 2023

Professional and helpful service

I have used Zopa a few times when needed extra finance and this time around also credit card. Their website is easy to navigate and enables users to quickly apply and gain approval very quickly which is what you need when looking to obtain additional finances. Definitely takes away to stress of looking around the web just go there straight away now and have mentioned to family as well Reviewed on: 13th January 2023

Great finance

Quick and easy to apply and they keep you updated all the way Reviewed on: 13th January 2023

Fatou

Excellent service and less interest. I was quite surprised about it Reviewed on: 13th January 2023

Easy and efficient service

It was so easy arranging the purchase of my new car and the zopa app is very useful Reviewed on: 13th January 2023

Zopa Is The Best!!

I took out a loan with Zopa to pay of a car. If it wasn’t for what Zopa had to offer I would not have been able to find a better affordable deal. They are flexible and so easy to manage I am glad I chose Zopa. They can assist you and help out if you need to manage how often you wish to pay off your loan which is super handy! I recommend Zopa for being reliable and super trustworthy Reviewed on: 11th January 2023

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