Get the best car loan at a fixed
and fair rate from Zopa!

  • • Take advantage of fixed low rates
  • • Repay early at no extra cost
  • • Get a quote now:
See the rates

Farewell faceless banks

"I found myself in the unfortunate position of needing to get a new car just before Christmas, which wasn't a planned expenditure as my old car was perfectly sound. Sadly someone drove into my much-loved VW Golf, and the insurance company wrote it off, sob. It was a big relief to find a fair interest rate. It means I don't have to do an impression of Scrooge this year; the family can still have their presents. Thank you Zopa lenders, it feels good to be using this service rather than a faceless bank"

Trading ethically at Zopa

"I'm looking to invest in an environmentally and eco friendly vehicle as my current trusty car is not running well. I decided to get a car which doesn't have such a negative impact environmentally. Getting the loan has meant I can shop for the best car in this field rather than just being able to afford a second hand old banger! I really like the idea of borrowing via Zopa as it cuts out the big corporations that don't really care about customers, the environment or trading ethically. Thanks"

Zopa in the news

  • BBC News:
    "It cuts out the banks and middlemen."
  • Channel 4:
    "A new way to save and borrow."
  • What Investment:
    *****
    Product of the Month

Fantastic rates and no early repayment penalties

"This car loan will pay the balance on an MPV to carry my 3 year old and 3 month old twins. We needed to get a new car as our old one couldn't take all the special seats we needed with 3 small children (well, it's a real squeeze with all of us in there!) We've decided on an MPV to give us all a bit more room and came to Zopa because the rates were fantastic, the best I found online. We really liked the idea of being able to pay back earlier if we liked with no penalties. Thank you."
"Thanks to my lenders. I really want an Audi...I've had rubbish cars my whole life!!"

Baby travels in style with new car

"Thanks for the loan folks. I'm putting it towards the purchase of a 7-seater MPV to transport my recently enlarged family around in (third child born last week). We wanted to get something big enough for all of us that also had lots of safety features. We can now afford to get the model we really wanted."

Right now you can pay just
7.3% APR as a typical fixed
rate based on borrowing
£5,000 over 3 years as an
A* credit rated borrower.

  • The interest rate you pay on your car loan is set by our lenders, not by us and is based on your creditworthiness.
  • You borrow from and pay interest to real people and not a faceless corporation with many other interests.
    Meet some Zopa lenders
  • Borrowing at Zopa is a fairer and more human way of getting a low-cost car loan.
    How it works

How much can I borrow?

Zopa is a marketplace where people can lend anything from £10 to upwards of £25,000 - and our lenders come from all walks of life.

You could end up borrowing from pensioners, students, young professionals, entrepreneurs or even fellow Zopa borrowers - because some of our lenders are borrowers, and some of our borrowers are lenders.

Can I repay my loan early?

Yes, you can repay your loan early at no extra cost.

It's easy

Get a cheap car loan today from Zopa lenders. They're people here in the UK just like you, which is why they'll ensure your car loan quote is not only fair, but the cheapest car loan Zopa can offer. So if you're looking for a cheap car loan, you can avoid all the hassle of going through the banks and still be confident of getting the best car loan. And don't forget, if you trade in your car early, there are no penalties with Zopa for early repayment. Get your cheap car loan quote from Zopa now!

Get a car loan quote now