Get going with a car loan

Get your favourite road trip songs ready. See the rate you could get on a car loan from us in just 3 minutes.

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TermAPRMonthly cost

Representative example

A loan of £10,000 over 5 years will cost you £242.32 per month at a representative 17% APR.

The total cost after 5 years is £14,539.29, which includes £4,539.29 interest at 17% fixed and a £0 fee. The total amount of credit is £10,000.

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

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We're Zopa

In 2005 we built the first ever peer-to-peer (P2P) lending company to give people access to simpler, better-value loans and investments. Since then we've helped hundreds of thousands of customers take the stress out of money by building our business on honesty, transparency and trust. In 2020, we started a new chapter in our journey, officially launching Zopa Bank alongside our P2P business. The reason for doing this was simple: to provide even more ways to empower our customers to FeelGood about money.

We've approved over £5 billion in loans.

What makes a car loan with us feel good?

Our car loan rates are often better than the dealerships and among the lowest in the market

A fast, friendly personalised rate that won't affect your credit score

Apply online (no fiddly paperwork in the post)

We approve more than 300 loans each day to people with good credit history

It's easy to pay extra towards your car loan, and we don't charge early repayment fees

Our customer service is award-winning, so you know you’ll get a great service as standard when you need to get in touch

What our customers think

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Brilliant service
Joanne Gill
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Excellent service.
Chris Runciman
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Great experience
Gary
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I’m not one for leaving reviews but…
Woody Keys
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Based on 14615 reviews

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We fight for your rights

We led the charge in seeking regulation for the peer-to-peer loans industry to make sure your needs are always put first. Today, it's regulated by the Financial Conduct Authority (FCA).

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

British Bank Awards

Best Personal Loan Provider

For the fourth year in a row, Zopa has been named the British Bank Awards’ Best Personal Loan Provider. We were also highly commended in the Best Alternative Finance Product category. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers and their genuine opinions. We’re hugely proud of winning this award again, so thank you to everyone that voted for us!

See our awards

People often ask us

TermAPRMonthly cost

Representative example

A loan of £10,000 over 5 years will cost you £242.32 per month at a representative 17% APR.

The total cost after 5 years is £14,539.29, which includes £4,539.29 interest at 17% fixed and a £0 fee. The total amount of credit is £10,000.

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

"Thanks to its clever use of technology – including an initial 'soft' credit check that does not impact on someone’s credit rating – Zopa is able to offer pre-approval for up to 65 per cent of applicants, in as little as 12 seconds. In a market where lending approval can take days, that’s an important advantage."

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