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.
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.
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.
Representative APR 11.9%
Learn moreCompare car finance
| HP | PCP | |
|---|---|---|
| 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 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
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.