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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We're Zopa

With 16 years of tech know-how, customer understanding and money expertise, we've helped hundreds of thousands of customers take the stress out of money. We’re proud to have delivered a service which is rated excellent on Trustpilot and to have built a bank which we believe can challenge expectations and help many more customers reach their financial goals.

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

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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Based on 18963 reviews

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A bank you can rely on

As a UK bank, we’re authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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

Award-winning loans

In 2021, Zopa was named as the British Bank Awards’ Best Personal Loan Provider for the fifth year in a row. Organised by the Smart Money People, the awards are voted for and decided by the people that matter most, our customers. 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

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"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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