Car loans to help you get going

New wheels or used ones, we make managing your costs simple. It's why 1 in every 400 cars in the UK is bought with a Zopa car loan.

I want to get a car loan for £

Term APR Monthly cost
5.9% £859.67
3.9% £433.67
3.9% £294.66
4.8% £229.09
4.8% £187.50

Representative example

A loan of £7,500 over 5 years will cost you £157.43 per month at a representative 9.9% APR.

The total cost after 5 years is £9,445, which includes £1,765.85 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680.

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

Loans for new and used cars

Our rates are often lower than the banks.

Find out if we can help: just choose your loan and check your rates in 3 minutes. This won't affect your credit score.

Why a Zopa loan?

  • Trusted by 92,139 drivers since 2005
  • We approve over £2 million every day to people with a good credit history
  • Simple online application – no paperwork through the post
  • No early repayment fees, no hidden charges

Who is Zopa?

We directly match people looking for a personal loan with people looking to invest. It's our way of making money simple and fair.

Since 2005 we've approved £1.88 billion in loans.

Our APRs range from 3.9% to 34.9%.

“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 buy a car. Our free guide gives you the lowdown. See the guide

“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

How do I apply?

1

Choose

We offer loans from £1,000 - £25,000 over 1 to 5 years.

2

Review

See your personalised loan rates in 3 minutes.

Just fill in our simple form to tell us a few details about you and your circumstances. Don't worry, this won't affect your credit score.

3

Apply

Get a decision within 2 working days. If approved, the money will be with you 3 working days later.

In a hurry? You can always choose our Fast Track option for £57.50.

I want to get a loan for £

over a period of

Representative example

A loan of £7,500 over 5 years will cost you £157.43 per month at a representative 9.9% APR.

The total cost after 5 years is £9,445, which includes £1,765.85 interest at 8.8% fixed and a £180 fee. The total amount of credit is £7,680.

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

We're here to help

Monday to Thursday (9am to 5:30pm), and Friday (9am to 5pm).

Email: contactus@zopa.com

Telephone: 020 7580 6060

We can't take applications over the phone. UK residents only. Calls may be monitored or recorded.