There are no set-up fees when taking out your hire purchase car finance with Zopa.

If you took out your loan after 7th September 2022, you will be subject to an early repayment charge if you pay off your car finance before the end of your term. If you took your loan on or before 7th September 2022, there won’t be a charge. Find out more about early repayment charges here

There are no charges if you miss a repayment on your hire purchase. Although if you do miss a repayment, it’ll be marked on your credit file which may affect your ability to obtain credit in the future.