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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.

TermAPRMonthly cost

Representative example

A loan of £10,000 over 5 years will cost you £217.10 per month at a representative 11.5% APR.

The total cost after 5 years is £13,026, which includes £3,026 interest at 11.5% fixed and a £0 fee. The total amount of credit is £10,000.

The rate and fee you are offered will depend on your individual circumstances.

Why choose Zopa car finance?

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 3-step application takes the hassle away. Even better, we can conditionally 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.

How hire purchase works at Zopa

At Zopa, we offer two ways for you to finance your car: through unsecured personal loans or hire purchase (HP). If you’re not sure which is right for you read our handy blog.

Here’s a quick breakdown of how we do HP.


Tell us how much you’d like to borrow.


We’ll check you meet our lending criteria and if so, we’ll conditionally 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.

Three-step 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

Invest with confidence

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