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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65248 reviews)

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4.94

Based on 65,248 reviews, last reviewed 25th Jul 2025

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Good card more helpful and good customer service Good card more helpful and good customer service Reviewed on: 25th July 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 (65248)

Car loan

This was a really easy way to purchase a new car without being tied down by mileage restrictions or a balloon payment. Money was in the bank within a day or two and I was able to use my debit card in the dealership. Reviewed on: 4th January 2018

Excellent

excellent interest rates.Easy to apply for loan and quick time for approval, especially if you have used them before. Reviewed on: 4th January 2018

Easiest application

Easiest most straight forward loan application. Flexible with repayments would recommend to anyone. Reviewed on: 4th January 2018

Easy friendly

It was a simple process to do to apply for a loan which really helps people like me. When speaking to the staff they were friendly very clear in what they saying to ensure i understood . It was a pleasure to have got a loan here. Very pleased with the service provided. Reviewed on: 4th January 2018

Vehicle Purchase

The lending rates are very competitive and I like the fact that I could repay the overall amount early without penalties, a quick decision on the loan being accepted was also a factor for me, I needed to know I have the fund available when looking to purchase a vehicle Reviewed on: 4th January 2018

Smooth transaction

Excellent customer service, better rates than high street banks, good personal service. Totally recommend. Reviewed on: 4th January 2018

Best ever loan application experience

I have taken out loans over the years from many mainstream Banks or other financial institutions but have never had such a smooth and uncomplicated experience as I have had with Zopa. The online process is model other should follow in its clarity and simplicity. Add to that the amazingly low interest rates and I for one would always look to Zopa as the first port of call when a loan is needed. Reviewed on: 4th January 2018

Excellent fast and efficient service

I have had 3 loans from Zopa having ended up in a bad financial position due to a relationship breakdown Zopa had faith in me and gave me a loan when other wouldn’t and as I needed to replace my car I was very grateful. Well done Zopa for making a loan process that is simple customer focussed efficient and decision made quickly with funds available in record time. Reviewed on: 4th January 2018

Great service

No fuss quick decision and fast access to money Reviewed on: 4th January 2018

Hassle Free Loan Experience

No issues with Zopa at all. Quick decision and loan provision. Reviewed on: 4th January 2018

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