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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65249 reviews)

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4.94

Based on 65,248 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Quick and easy to apply with good app. Quick and easy to apply with good app. Showed me my chances of been accepted and payment into my bank was quick and simple. Can manage payments in the... Read more Reviewed on: 5th September 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

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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 (65249)

Competitive rates, good service

Organised loan in a few days over phone. Excellent, trustworthy service that inspires confidence. Excellent rate with no penalty early payment, exactly what I was looking for. Reviewed on: 30th June 2017

Great service

Great service , easy access , no longer waiting on the phone, informative friendly and helpful advisors..fair rates Reviewed on: 30th June 2017

SUPERB, QUICK, HONEST

I was treated with respect & honestly. Look no further than Zopa Reviewed on: 30th June 2017

Review of loan experience

Despite having a less than perfect credit history, zopa were not only very helpful, but efficient and quick. I would definitely recommend to anyone. Reviewed on: 30th June 2017

Simply the Best

The whole process was very simple and easy , no hassle no headaches , communication was brilliant and the products are so competitive and flexible to suit any circumstance. Don't think I would ever use any one else again , outstanding ! Reviewed on: 30th June 2017

Couldn't be easier

Just a few clicks and there was my loan, amazing. Highly recommend these guys Reviewed on: 30th June 2017

Zopa is the best

Never had any problems to get loan. Always on the time and A.P.R. as small as possible. Recommend Reviewed on: 30th June 2017

Best rates only go to almost perfect customers, they screw everyone else.

I'v had two loans from Zopa and ended up getting better loans to pay them off early. The rate I got charged was almost the same as a credit card. Thanks goodness my bank, Barclays was able to help at a much reduced percentage rate. Zopa are smug and I'm guessing their winning these awards doesn't help that much. Use a loan calculator like those found on moneysavingexpert.com which only do a soft search on your credit file to find out which loans you are likely to get based on your individual credit rating. If you get a good deal with Zopa then, the very best of luck but, be very careful. Reviewed on: 30th June 2017

All friendly and helpful

Everyone that I spoke to and dealt with through out the whole process where all helpful and friendly. Couldn't have asked for better people to help me through the rough situation what with the family car being written off thankyou all Reviewed on: 30th June 2017

Excellent all round experience

Simlple process with no hidden charges or surprises. Very professional organisation, excellent at what they do Reviewed on: 30th June 2017

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