Write a review

Go to business site

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65249 reviews)

View other Zopa products

4.94

Based on 65,249 reviews, last reviewed 16th Oct 2025

50% 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 happy with the seevice Good I am happy with service I would recommended Reviewed on: 16th October 2025

Latest lowest rating:

1

They've no idea what they're doing Moved to Ireland after taking out a loan. Couldn't update my address - computer says no. Couldn't log in without a UK mobile number as 2FA - computer ... Read more Reviewed on: 5th September 2025

Read all reviews Write a review

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.

Review Zopa: Personal loan now

Help others make smarter decisions by sharing your own experience.

Write a review

Zopa Personal loan reviews (65249)

Great experience and great value

Best rates by a long way, very transparent experience throughout and so far a flexible, usable, reliable loan provider Reviewed on: 3rd January 2018

Easy application, no fuss

It’s such an easy process I was pleasantly surprised at the speed and efficiency. Keeping track online is really simple too Reviewed on: 3rd January 2018

Easy to use, hassle-free process

Have taken two loans out using Zopa and had no complaints, easy go set up and competitive interest rates Reviewed on: 3rd January 2018

Really good customer service

Very easy from start to finish with brilliant Customer Service Reviewed on: 3rd January 2018

Tip top

Everything was prefect from start to finish Reviewed on: 3rd January 2018

Loans made simple

Very happy with the service and more than happy with the repayments and interest charges. Reviewed on: 3rd January 2018

Quick, Simple. Effective

Produced a quick solution to my financial issue. I would recommend to all. Rates are more than favourable and the process so simple. Reviewed on: 3rd January 2018

Unclear criteria made me question Zopa

I'm on very decent income with just one small loan and no credit card use plus excellent credit score. Zopa kept rejecting me despite I have perfect record, keeps telling me to try again in 6 months (that happened for the second time recently and I have to explanation given as to why this is happening). I'm not coming back for a loan to Zopa, which is a shame because the p2p lending and excellent rates that compete with the big banks are great reasons to support Zopa's initiative. Reviewed on: 3rd January 2018

Quick, easy, great value

Customer for 18 months now and experience so far has been excellent. The application process was quick and easy and well explained. They keep you well informed and send out easy to understand communications to keep you informed. Reviewed on: 3rd January 2018

Quick lending at low rates

Zopa promptly and positively reviewed my application, and funds were available shortly after. Very good service. Reviewed on: 3rd January 2018

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Short-term loan
from Dot Dot Loans 3.28 from 14 reviews
Personal Loans
from ASDA Money 5.00 from 24 reviews
Personal Loans
from Smart Money Cymru Community Bank 4.25 from 27 reviews

Want to see more from Zopa?

Current account
from Zopa 5.00 from 2 reviews
Cash ISA
from Zopa 4.95 from 1262 reviews
Smart Saver
from Zopa 4.94 from 7180 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub