Car loans to help you take the fast lane
Considering car finance? Whichever new or used car you have your eye on, a Zopa car loan could be a simple and speedy way to spread the cost of your purchase.
We’ve helped 94,798 people get behind the wheel since 2005.
Find out why 1 in every 400 cars in the UK is bought with a hand from Zopa – simply choose your loan and check your rates in 3 minutes, with no impact on your credit score. Subject to approval.
Car loan calculator
Why choose a Zopa car loan?
- Our rates are often lower than the banks
- We offer APRs from 3.9% - 34.9%
- Finding out your tailored rates won't affect your credit score
- We lend over £2 million every day to credit-worthy individuals
- Simple, speedy online application – no paperwork through the post
- No early repayment fees, no hidden charges
How do I apply?
1. Choose how much you want to borrow and for how long
We offer loans from £1,000 - £25,000 over 1 to 5 years.
2. See your tailored rates in 3 minutes
Just fill in our simple form to tell us a few details about you and your financial situation. It’s free, no obligation, and won’t impact your credit score. See your tailored rates.
3. Apply for the loan online and we’ll give you a decision within 2 working days
It’s quick and simple – no fuss, no paperwork through the post.
If approved the money will be with you within 3 working days. (In a hurry? You can always choose our Fast Track option.)
What our customers say
“Thanks for the trouble-free car loan I took out with you. One payment to go!”John, Coventry
3-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 choose your next car. Our guide gives you the lowdown – with 3 essential questions to ask yourself. Take a look at our guide
Based on over 450 reviews
Just how loans should work
"Just agreed a loan with Zopa. Lowest rate in the market, simple and straightforward online application with easy upload of supporting documents, and a quick agreement. No penalties for early settlement. Why can't banks operate like this? Faultless."
— Jem, 12 February
Cruising for inspiration?
We’ve uncovered the most common (and strangest) car nicknames, what to watch out for if you’re considering buying second-hand, and more. Explore the Zopa blog
What the press says
“Zopa is the pioneer of peer-to-peer lending, which uses the internet to cut out the banks entirely. It matches savers with individuals who want to borrow, leaving out the bank and offering better rates all round.” — The Guardian