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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

87% 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)

Easy to manage and reasonable interest rate

Easy to manage your loan online and make overpayments without penalty. Fair interest rate. Happy customer. Reviewed on: 3rd January 2018

Fast, efficient and very professional customer experience

Recommended by Money Saving Expert i was a little skeptical at first of a non-BigNameBank but i am a total convert and will use Zopa everytime for future borrowing! Reviewed on: 3rd January 2018

Pretty good

Easy to use and quick! Also you fees for early repayment Reviewed on: 3rd January 2018

The acceptable face of finance.

Zopa saved my skin a few years back and took a (calculated) punt on me with a loan. Over the years my circumstances have altered and I now get better rates. I have never let them down, nor they, me. One day I hope to be an investor rather than a loan recipient. Reviewed on: 3rd January 2018

Fast, Easy, Modern, Reliable

Loan companies don't have the greatest reputation but Zopa turned the whole industry on it's head. Easy to deal with, I received cash in my bank account super fast. They have a modern and unfussy approach unlike a lot of traditional banks and don't constantly SPAM you with unless information. Definitely recommend and I will definitely use them again for my next large purchase. Reviewed on: 3rd January 2018

Quick and easy

Very quick and easy no hassle loan company. I've had 3 loans over the years and would definitely recommend to anyone Reviewed on: 3rd January 2018

Great lenders

Very likely, it was very easy to obtain my loan & they give the best rate around, no competition in my opinion Reviewed on: 3rd January 2018

Simple and Stress Free

I required a loan for a car offer searching many sites Zopa provided the easiest and user friendly service. All funds were transferred within 24hrs. A real positive is that I can keep track of my loan via their website. It’s real pleasure to use and gives me great confidence into peer to peer lending. Reviewed on: 3rd January 2018

Excellent

I have used Zopa now a couple of times over the past 6 to 7 years, each time for purchasing a new car. On each occasion the online experience was stress free, straight forward and clear from start to finish. The online dashboard is also an excellent facility. Simple and all relevant information at your fingertips. I would highly recommend Zopa to anyone. Reviewed on: 3rd January 2018

Easiest loan to get

I was amazed how easy and straight forward it was to get a personal loan at Zopa. I got the best rate by far so it wasn’t a question. Reviewed on: 3rd January 2018

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