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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65247 reviews)

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4.94

Based on 65,247 reviews, last reviewed 13th Jun 2025

96% decrease in 5 star reviews

in the past 90 days

83% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Honest company, rare! The loan details are clear and precise the interest rate was excellent. Changing payment dates has been simple without any forfeit. Just appear to be ... Read more Reviewed on: 13th June 2025

Latest lowest rating:

1

Poor customer service Paid off my loan early well over a month ago. Still showing as a debt on my credit report. Inaccurate payment details shown on credit report too. Made... Read more Reviewed on: 4th May 2025

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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 (65247)

Excellent service

Setting up my loan was simple straightforward and hassle free Reviewed on: 4th January 2018

Fast and Easy process

Had several loans from Zopa and each time it's been an extremely easy process. If we are ever in a position to require a loan, for whatever reason, Zopa ia always out first port of call and we haven't been disappointed yet. We've also recommended the service to friends and family members. Reviewed on: 4th January 2018

Quick, easy, always good rates

I've used Zopa twice now and both times the experience has been so quick and easy, they've always offered the best rates and anytime I needed to change anything there was never any hidden costs and it was done with ease. Highly recommend Zopa for any of your future loans. Reviewed on: 4th January 2018

First Choice

The idea of not borrowing from the Big Boys has always appealed to me and Zopa provide me with an fatastic alternative. I never seem to need enough to get the best rates from the high street and again Zopa help me here. Decisions are quick and funds available the next day. Reviewed on: 4th January 2018

Like having a rich uncle

Very easy to access...helpful and straightforward application and website. Very affordable repayments with good rates of interest. I would thoroughly recommend Zopa Reviewed on: 4th January 2018

Helpful, quick decision, very 'open' and fair rates of interest.

I have approached Zopa twice for a loan. Both times for matters regarding house improvements. Each time I have had an almost instant decision, especially fast the second time when I wanted to top up my first loan. The interest rates have been extremely competitive each time and I just can't really think of a single thing I could fault Zopa on. They are a shining light in what can appear to be an intimidating and sometimes shady industry. You get what you see................... thankyou Zopa ! Reviewed on: 4th January 2018

Reccomendation

Easy to apply & monies in account within couple of days. Reviewed on: 4th January 2018

Efficent

Very quick and easy process. Loan came in very quickly Reviewed on: 4th January 2018

Smart and Safe

A simple process Very good rates No penalty payback Easy dashboard Reviewed on: 4th January 2018

It simply works well

The concept was a new one to me so I was a little uncertain to begin with, but I have found Zopa to be simple, straightforward to use and very transparent. I am now on my third Zopa loan. I also particularly like the fact that I am not bombarded with lots of emails pushing me to take on more debt. It feels very different from interactions with banks or other loan providers, and I actually like the idea that I get a good deal while helping others make the best of their savings. Reviewed on: 4th January 2018

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