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.

Young man smiling and feeling pleased, with a gearstick and tyre pattern in the background

I want to get a loan for:

TermAPRMonthly cost

Representative example

A loan of £NaN over years will cost you £NaN per month at a representative undefined% APR.

The total cost after years is £NaN, which includes £NaN interest at undefined% fixed and a £NaN fee. The total amount of credit is £NaN.

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

We’re Zopa

In 2005, we built the first ever peer-to-peer 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.

We've approved over £4 billion in loans.

Our APRs range from 3.4000000000000004% to 34.9%.

Several hands placed on top of each other, in celebration of an achievement

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

Young boy sitting on a wall and celebrating, both arms reaching high

Thanks for the trouble-free car loan I took out with you. One payment to go!
John, Coventry

What our customers think

Best on the market
Lisa W

Excellent service
Kerry

I'm GLAD I CHOOSE ZOPA AS THERE WERE…
Andrew

Rated excellent based on 12618 reviews

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

We’re happy when you’re happy

Trusted Loans Provider

Moneywise Customer Service Awards

Best Personal Loan Provider

British Bank Awards

Best Customer Service

Moneyfacts Consumer Awards

Best Personal Loans Provider

MoneySuperMarket Supers Awards

See more awards

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).

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People often ask us

We know fees aren't popular, but the origination fee helps us cover our costs.There's more to it than you might expect: from setting up your loan to keeping your payments ticking over month by month.The origination fee is rolled into your APR (Annual Percentage Rate) along with your fixed annual interest. It's not an extra charge.Please keep in mind: if you cancel your loan after the 14-day cancellation period, or repay your loan early, the fee is non-refundable.

Facts about fees

Some loan providers charge an origination fee and some charge early repayment fees. Some charge both, or neither.Sounds complicated? It is. That's why all loan providers have to give an APR, which helps you directly compare the value offered by different loan providers. It tells you what your loan costs overall (as long as you pay back over the planned term).A loan's APR takes into account any upfront fees, plus the fixed interest (charged yearly).We know fees aren't popular, but the origination fee helps us cover our costs.There's more to it than you might expect: from setting up your loan to keeping your payments ticking over month by month.

Applying for a Zopa loan is a simple online process.There's no paperwork to send through the post. We've built a secure system that carries out thorough checks and handles every stage of your application online, and we use bank-level encryption throughout the site.How to apply in 3 simple steps:

1. Choose how much to borrow and for how long.

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

2. See your personalised 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 online and get a decision within 2 working days.

We may need you to provide proof of your identity, income or bank account. It's simple to do this online.If approved, the money could be with you in as little as 5 working days. Sometimes this process does take a little longer. This is because Zopa works by directly matching investors with people looking for a loan, we only match people who meet our careful lending criteria.

We believe money should be simple and fair.Here's why customers choose Zopa:

Our rates are often lower than high-street banks
Checking your rates won't affect your credit score
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
Multi-award-winning Customer Service team based in London

Thank you for having a look at Zopa.As a responsible lender, we take several things into account to help us decide if we can offer you a loan. Here are the main criteria.You'll need to…

tell us who you are
be at least 20 years old
be a UK resident with at least 3 years of address history
be employed, self-employed or retired with a pension
have an income of at least £12,000 per year (before tax)
have a credit history that we can see, and a good track record of repaying debt, e.g. utility bills, credit cards
be able to afford the loan (in relation to your income and outgoings)

It takes just 3 minutes to find out if you're eligible and see your personalised rates. Don't worry, this won't affect your credit score.Please keep in mind, we can't offer joint applications or guarantor loans.

We offer personal loans from £1,000 to £25,000 over 1 to 5 years.Here are some of the most popular ways our customers use a Zopa loan:

Buy a car
Pay off credit cards
Consolidate a more expensive loan
Make home improvements
Spread the cost of a wedding
And much more

We'll ask you what you plan to use the loan for when you apply. If you don't see your loan purpose listed, please choose 'other'.

What can't I use a Zopa loan for?

There are some types of loan we don't offer at the moment.These include: business loans for companies (other than sole-traders), mortgages, loans for bad credit, joint applications, guarantor loans, bridging finance.

I want to get a loan for:

TermAPRMonthly cost

Get my personalised rates

Representative example

A loan of £NaN over years will cost you £NaN per month at a representative undefined% APR.

The total cost after years is £NaN, which includes £NaN interest at undefined% fixed and a £NaN fee. The total amount of credit is £NaN.

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

Get going with a car loan

Representative example

We’re Zopa

What makes a car loan with us feel good?

What our customers think

Three-step guide to buying a car

We’re happy when you’re happy

Trusted Loans Provider

Best Personal Loan Provider

Best Customer Service

Best Personal Loans Provider

We fight for your rights

People often ask us

Facts about fees

1. Choose how much to borrow and for how long.

2. See your personalised rates in 3 minutes.

3. Apply online and get a decision within 2 working days.

What can't I use a Zopa loan for?

Representative example

We're here to help

What we do

About Zopa

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