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Zopa: Car finance reviews

Name: Car finance
Rating: 4.89 (790 reviews)

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4.85

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)

I have a car finance, credit card, a bank account an...

I have a car finance, credit card, a bank account and a savings account with Zopa, and it’s excellent. I get to track my credit score every week. Reviewed on: 28th February 2025

easy to apply

easy to apply friendly customers service Reviewed on: 28th February 2025

Easy process able to change payment day no extra cost

Easy process able to change payment day no extra cost Reviewed on: 28th February 2025

I've been using my Zopa credit card for a few years...

I've been using my Zopa credit card for a few years and it's competitive rates make it a great choice for me Reviewed on: 28th February 2025

Easy process.

Easy process. Good, friendly and helpful service. The whole process was painless and quick. Would recommend. Reviewed on: 28th February 2025

Straight forward,noted tape,clear understanding of w...

Straight forward,noted tape,clear understanding of what it will cost Reviewed on: 28th February 2025

Happy with service

Applied for car finance in the morning. Collected my car 6.00 that evening. Interest wasn't too bad and repayments good. Kept period of time to max 3 years which is what I wanted - I didn't want to do 5 years. Happy with service Reviewed on: 28th February 2025

Easy quick and accessible

Easy quick and accessible. Customer service always willing to help and advise Reviewed on: 28th February 2025

Simple application process, transparent costs and re...

Simple application process, transparent costs and really helpful team who advise on suitability of garage. Reviewed on: 28th February 2025

Very good customer service and much more.

Very good customer service and much more. Reviewed on: 21st January 2025

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