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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (67287 reviews)

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4.94

Based on 67,287 reviews, last reviewed 29th Jan 2026

100250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Gave decision quickly Gave decision quickly processed the application within a couple of days money was in bank Reviewed on: 24th January 2026

Latest lowest rating:

1

No empathy for a tiny mistake and no customer care team Every month, I put money in an easy access pot to keep it aside to pay bills, it's peanuts to ZOPA but a lot to me. However, this month I accidentall... Read more Reviewed on: 29th January 2026

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About this product

Zopa is an award-winning personal loan provider.

When you apply for a Zopa loan, you’ll see your personalised loan rates in just three minutes so you know exactly what you could get. Checking your rates won't affect your credit score. If your loan’s approved, you’ll get the money within two hours.

Zopa personal loan reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Zopa Personal loan reviews (67287)

No empathy for a tiny mistake and no customer care team

Every month, I put money in an easy access pot to keep it aside to pay bills, it's peanuts to ZOPA but a lot to me. However, this month I accidentally clicked too quickly and transferred it to a 31 fixed savings pot. I spoke to several people trying to explain this, and that they could see it was an accident if they just looked at my monthly history. But no-one had an ounce of empathy, even when I complained and escalated it. this £800 is nothing to Zopa, but it means that I can't pay me rent or bills this month and now I'm desperate. I tried to explain this to Zopa, but their policies mean that whoever I spoke to act like robots following their silly policies and don't treat customers with empathy or respect over what was a silly mistake. Thanks for ruining my life Zopa! I hope your lack of customer care and empathy proves to be your long term downfall! Reviewed on: 29th January 2026

Gave decision quickly

Gave decision quickly processed the application within a couple of days money was in bank Reviewed on: 24th January 2026

Trusted and reliable .

Trusted and reliable . Can recommend to a friends. Easy and fastest way the processes Reviewed on: 23rd January 2026

Still using your service's so big thumb's up

Still using your service's so big thumb's up Reviewed on: 23rd January 2026

Highly recommended

Professional, simple. Great value Reviewed on: 22nd January 2026

Super quick and easy to get a quote for eligibility...

Super quick and easy to get a quote for eligibility and the cost of a loan. Very clear information and money received immediately. I particularly like the app interface which provides diagrams of amount repayed and owed to date, and links with my other bank accounts - providing ideas for saving some costs of interest and making financial plans for the future. Reviewed on: 22nd January 2026

Excellent service top bank many options number 1 cus...

Excellent service top bank many options number 1 customer service Reviewed on: 22nd January 2026

Found on line, easy to complete application, got res...

Found on line, easy to complete application, got results very fast easy transaction Reviewed on: 22nd January 2026

Had no trouble was great for them to support me in a...

Had no trouble was great for them to support me in a time of need Reviewed on: 22nd January 2026

Everything went really well.

Everything went really well. They did exactly what they said they would. They were thorough without being pushy and explained everything in a simple friendly manner. All around it was a smooth transaction. Reviewed on: 22nd January 2026

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