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Zopa: Personal loan reviews

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4.94
Based on 65,247 reviews, last reviewed 13th Jun 2025
70% decrease in 5 star reviews
in the past 90 days
83% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
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5%
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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
Bubbleicious's avatar
Bubbleicious

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
Julie E's avatar
Julie E
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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)

Simple and cheap!

5
Got a car loan from zopa the whole experience was really easy, money paid quickly and great rate so payments are affordable Reviewed on: 30th June 2017
Martin 's avatar
Martin

User friendly, fast, upfront

5
It lives up to the promise: initial search not affecting the credit score, rate promised is what you get (unlike some of the previous experience when shopping around), paperwork is very streamlined and straightforward. No hurdles, no unnecessary hoops. Decision making is quick, and the amount was on the account as promised, within a few days. As far as loans can go, this was a very user friendly experience, and still an escellent rate. Many thanks Reviewed on: 30th June 2017
peter nedermann's avatar
peter nedermann

Quick and easy

5
Quick and simple process, easy to access and amend account Reviewed on: 30th June 2017
Kate's avatar
Kate

Straight forward and quick

5
The process was simple and straightforward forward and I got a response very quickly, I would use them again and recommend to others Reviewed on: 30th June 2017
Joanna fredriksen 's avatar
Joanna fredriksen

Excellent Service

5
So straight forward from start to finish. Very happy with the service I have received Reviewed on: 30th June 2017
Rosanna Jane Marks's avatar
Rosanna Jane Marks

Excellent service

5
They're fast reliable and hassle-free. Reviewed on: 30th June 2017
Adam Tompa's avatar
Adam Tompa

Trouble Free Lending

5
My loan application was approved and the funds were in my bank account within 48 hours. I am able to access my account on line in seconds and the account information is always accurate and easy to follow. On the one occasion I called Zopa the phone was answered immediately and the advisor very helpful and professional. I wouldn't hesitate to recommend Zopa as a loan provider. Reviewed on: 30th June 2017
Andy 's avatar
Andy

Fast payment and good rates

5
I needed a loan for a car applied with Zopa loans and got a decision within 24 hours and money was soon in my account. Very happy and repayment plan was very good Reviewed on: 30th June 2017
David's avatar
David

Quick and easy

5
Got accepted and received the money within hours of applying for the loan. No hassle just pay monthly direct debit job done Reviewed on: 30th June 2017
Daniel Brett's avatar
Daniel Brett

The easy choice

5
I took out a loan with Zopa to purchase a car at a very competitive rate and when I sold the car I paid off the remainder of my loan with no early repayment charge, which is great for me as I change my mind constantly! Easy decision when I come to take out another loan, I'll go to Zopa. Reviewed on: 30th June 2017
Dan Marshall's avatar
Dan Marshall

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