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Zopa: Car finance reviews

Name: Car finance
Rating: 4.9 (787 reviews)

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4.85

Based on 787 reviews, last reviewed 28th Apr 2025

146% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Superb customer service great company Superb customer service great company Reviewed on: 28th April 2025

Latest lowest rating:

1

My experience with Zopa Bank has been extremely disa... My experience with Zopa Bank has been extremely disappointing and stressful. I financed a car through a hire purchase agreement, expecting reliable se... Read more Reviewed on: 26th December 2024

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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.

Zopa Car finance reviews (787)

Review of the Zopa, Car finance:

My experience with Zopa Bank has been extremely disa...

My experience with Zopa Bank has been extremely disappointing and stressful. I financed a car through a hire purchase agreement, expecting reliable service and support. However, when the car developed a major fault within a few months, Zopa failed to take responsibility or provide adequate assistance. Despite clear evidence that the car was not of satisfactory quality at the time of purchase, Zopa dismissed my complaints and declined to resolve the issue. Instead of addressing the problem, they focused on technicalities, such as disputing whether I was authorized to have the car inspected. This lack of accountability and customer support was incredibly frustrating. Adding to the stress, Zopa reported missed payments to my credit file while I awaited a decision, severely impacting my credit score. Their approach caused unnecessary hardship during an already difficult time. It was not until the Financial Ombudsman Service intervened that Zopa was forced to take appropriate action, including refunding my payments and resolving the matter with the faulty car. This case highlights Zopa reluctance to act fairly without external pressure. I strongly advise anyone considering Zopa Bank for financial products to think twice. Their customer service and dispute resolution process are inadequate, and their handling of this situation has left me deeply dissatisfied. Reviewed on: 26th December 2024

Superb customer service great company

Superb customer service great company Reviewed on: 28th April 2025

Excellent to deal with staff are friendly and very h...

Excellent to deal with staff are friendly and very helpful Reviewed on: 28th April 2025

Reliable customer service experience

This was my first car finance ever and I have had no regrets whatsoever. My experience with the customer service representative made me believe they are reliable and trustworthy as they were true to their words. Very good interest rate, one of the best I have been offered by a credit/finance company. It was overall a great experience Reviewed on: 27th April 2025

The process was smooth and I was able to buy the car...

The process was smooth and I was able to buy the car I needed Reviewed on: 27th April 2025

great company easy to use app great rates well worth...

great company easy to use app great rates well worth putting at the top of your list when getting finance Reviewed on: 26th April 2025

Car Loan

As someone with poor credit history they were able to help me buy a car by thoroughly checking my income outgoings and recent payments history both with them and other providers using my bank account which is never overdrawn taking all these factors rather than just a credit score Reviewed on: 26th April 2025

I’ve recently had finance through Zopa , quick easy...

I’ve recently had finance through Zopa , quick easy set up process highly recommended Reviewed on: 25th April 2025

Easy from start to finish, very helpful and knowledg...

Easy from start to finish, very helpful and knowledgeable. Reviewed on: 25th April 2025

The car finance was at a great apr and affordable re...

The car finance was at a great apr and affordable repayments Reviewed on: 25th April 2025

Very good experience good service

Perfect experience very good service Reviewed on: 25th April 2025

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