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Find answers to our most frequently asked questions.

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Top FAQs chevron_right
Car finance – getting started chevron_right
About your car finance chevron_right
Key terms chevron_right
Discretionary Commission Agreements (DCAs) chevron_right
Personal contract purchase (PCP) chevron_right
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Key terms

What is personal contract purchase (PCP)?
What’s the optional final payment?
What is hire purchase finance?
Is there a balloon payment?
Do I own the car?
What does pre-approved for car finance mean?

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Zopa Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and entered on the Financial Services Register (800542). Zopa Bank Limited (10627575) is incorporated in England & Wales and has its registered office at: 1st Floor, Cottons Centre, Tooley Street, London, SE1 2QG.

© Zopa Bank Limited 2025 All rights reserved. 'Zopa' is a trademark of Zopa Bank Limited.

Zopa is a member of Cifas - the UK's leading anti-fraud association, and we are registered with the Office of the Information Commissioner (ZA275984).