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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
£
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 £14,539.18, which includes £3,499.18 interest at 12% fixed and a £1,040 fee. The total amount of credit is £11,040.

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 £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

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

John, Coventry

What our customers think

TrustPilot Five star ratingAn illustration of five stars
This was my third loan with Zopa
Estelle Crossland
TrustPilot Five star ratingAn illustration of five stars
Excellent ..have had 2 loans from zopa
Customer Caroline
TrustPilot Five star ratingAn illustration of five stars
No complaints
Mike
TrustPilot Five star ratingAn illustration of five stars
Great deal!
Miss Sally Roberts
TrustPilot LogoAn illustration of the Trust Pilot LogoTrustPilot Five star ratingAn illustration of five stars

Based on 14306 reviews

Read more 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

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Trusted Loans Provider

Moneywise Customer Service Awards

Best Personal Loan Provider

British Bank Awards

Moneyfacts Consumer Awards winner logo

Best Customer Service

Moneyfacts Consumer Awards

MoneySuperMarket best personal loans provider award logo

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).

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 £14,539.18, which includes £3,499.18 interest at 12% fixed and a £1,040 fee. The total amount of credit is £11,040.

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