Car finance from Zopa

We offer different ways to finance your next set of wheels.

All you need to do is pick the option that’s right for you.

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Average star score of 4.5 in trustpilot

Picking the right option for you

Hire purchase (HP)

Pay off the cost of a car in equal instalments so that you own it outright at the end of the term.

  • Available on cars up to 10 years old and driven less than 120,000 miles

  • Drive unlimited miles

  • Own the car at the end of the term

Representative APR 13.9%

Learn more

Personal contract purchase (PCP)

Get lower monthly repayments with the choice of buying the car at the end of the term, handing it back or trading it in.

  • Available on cars up to 5 years old and driven less than 70,000 miles

  • Get a better car for your budget

  • Options at the end of the term

Representative APR 11.9%

Learn more

Compare car finance

Fixed monthly repayments
Usually requires a deposit
Drive unlimited miles
Optional final payment to own the car
Loan secured against the car

Why choose Zopa for car finance?

We give you confidence

Check your eligibility for car finance without impacting your credit score, so you know what rate you’ll get.

We're fast

No one likes waiting around, so we’ve made our applications quick and simple.

We cut the cost

By coming direct to us for your car finance, you could save over £400*.

We handle dealership & car checks

We'll check things out for you free of charge so you can buy your car with confidence.

A simple guide to buying a car

New vs used? Dealer vs private sale? Could the real running costs come as a shock? There's a lot to consider when you buy a car. Our free guide gives you the lowdown.

See the guide

British Bank Awards

Award-winning loans

In 2023, Zopa was named Best Personal Loan Provider at the British Bank Awards. Organised by the Smart Money People, the awards are voted for and decided by the people who matter most, our customers. We’re hugely proud of winning this award again, so thank you to everyone who voted for us!

See our awards

Another way to buy your car

We also offer personal loans as a way to purchase your next car.

Representative APR 19.9%.

Find out more

*Customers who came directly to Zopa save £432.69 on average when compared to customers acquired via dealerships. The savings figure is calculated using an average £12,000 loan over 48 months. The dealership channel offered a blended APR of 11.5% and a total repayable cost of £14,871.89 versus the online Zopa channel offering a blended APR of 9.8% and a total repayable of £14,439.20.

Savings were calculated on 28/02/23 and are based on Zopa customers acquired online vs. Zopa customers acquired via dealerships. Both groups took out a Zopa hire purchase finance agreement in the last month.