Octopus EV vs Zenith: which is better? Comparison 2026
By our public methodology Octopus EV scores 65 out of 100 and Zenith scores 57. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Octopus EV | Zenith | |
|---|---|---|
| Terms | 81 | 86 |
| Access | 75 | 58 |
| Reliability | 27 | 33 |
| Transparency | 75 | 25 |
Pros and cons
Octopus EV
- Low down payment
- Rates and total cost are published openly
- Leases to private individuals
- Leases to companies and sole traders
Zenith
- Low down payment
- Leases to companies and sole traders
- Finances used cars
- Early repayment allowed
Facts side by side
| Fact | Octopus EV | Zenith |
|---|---|---|
| Licensed / registered as a lessor since | 2018 register.fca.org.uk | 2016 register.fca.org.uk |
| Minimum down payment | 0% octopusev.com | 0% zenith.co.uk |
| Maximum contract term | 48 mo octopusev.com | 60 mo zenith.co.uk |
| Leasing for individuals | Yes octopusev.com | Not verified |
| Leasing for businesses | Yes octopusev.com | Yes zenith.co.uk |
| Used cars | Yes octopusev.com | Yes zenith.co.uk |
| Early repayment | Yes octopusev.com | Yes zenith.co.uk |
| Leasing products | Not verified | 4 zenith.co.uk |
| Rates published online | Yes octopusev.com | Not verified |
| Online application | Yes octopusev.com | Yes zenith.co.uk |