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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)

Would definitely recommend

Applying for a credit card was straight forward to apply for and if I had a problem there was plenty of help at hand Reviewed on: 13th January 2023

Zopa Experience

Zopa reminds me when payments are due and how much, everything you would expect from a professional lender Reviewed on: 13th January 2023

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

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