Discover your personalised car finance rates

We offer some of the best hire purchase finance rates online. Checking your rates won't affect your credit score.

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We’re Zopa

Zopa car finance takes the guesswork out of buying a car. By financing your car directly with us, you’ll get a fair deal and a competitive rate, with no hidden costs.

Our application process takes the hassle away. Even better, we can approve you, so you can go into the showroom knowing how much you can afford.

Choose your dream car at the dealership you prefer, and we’ll background check both, so you can buy with confidence. We’ll even pay the dealer ourselves, leaving you to skip to the best bit – taking your new car out for a spin.

Choosing the right finance for you

At Zopa, we offer two ways for you to finance your car: through an unsecured personal loan or hire purchase.

This is the page for hire purchase, but you can also apply for an unsecured personal loan

How hire purchase works at Zopa


Tell us how much you'd like to borrow.


We'll check you meet our lending criteria and if so, we'll approve you with a guaranteed interest rate.


Visit your favourite dealer and choose a car, knowing what you can afford.


Once you've chosen, if the car and dealer pass our checks, we'll pay them direct.


Pay back the finance monthly, including interest. When you've repaid in full, you'll own the car.

It's important to remember that these are secured loans, which means you don't own the car straight away and it can be repossessed if you fall behind on payments.

Our 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
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British Bank Awards

Award-winning loans

In 2021, Zopa was named as the British Bank Awards’ Best Personal Loan Provider for the fifth year in a row. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers. We’re hugely proud of winning this award again, so thank you to everyone that voted for us!

See our awards

People often ask us

"Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as little as 12 seconds. In a market where lending approval can take days, that’s an important advantage."

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