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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65249 reviews)

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4.94

Based on 65,249 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

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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)

Approved when others won't

Great, bigger banks over looking things. Zopa instant discussion and met my needs. A smarter way to Borrow Reviewed on: 30th June 2017

Super easy and cheap!

I was looking for a car loan and looked at Zopa. The rate was confirmed in seconds and was at the advertised rates, not a headline to suck you in to then charge more after "credit checks"! Once I confirmed the rate I completed the application and it was all done in about 15 minutes and money hit my account a few days later! So super easy and not a false rate advertised! Very happy! Reviewed on: 30th June 2017

Quick hassle free

I have used the Zopa service for loans (borrowing & lending) over the last few years & have always found the service to be quick & efficient and have already recommended to family friends and colleagues. 5 star***** Reviewed on: 30th June 2017

Words won't do justice

My experience with Zopa, has been nothing short of brilliant, from the very first contact the level of service has been of the highest quality, a truly remarkable experience. They have set a new bench mark as far as service and professionalism is concerned. Reviewed on: 30th June 2017

Zopa loan

Zopa were very good. Delighted to have used them. Recommend them to family and friend's Reviewed on: 30th June 2017

Excellent customer service, very straight forward

Easy and straight forward to apply, decision straight away, money in the bank within a few days! Also very good customer service with regards to communication! Very satisfied customer! Reviewed on: 30th June 2017

Great company, great rates, fast decisions

I haven't got a bad word to say against Zopa, this was my first loan and I was rather nervous however Zopa's online service was more than helpful. I had a quick decision that has changed my life. Thank you Zopa! Reviewed on: 30th June 2017

Quick and efficient

Zopa loans are a quick, easy and friendly service. We have used them twice now and have had nothing but a good experience. Reviewed on: 30th June 2017

Superb Service

Great Easy application process, easy online account access. Already reccommended to family and friends! 5* company to deal with. Reviewed on: 30th June 2017

Very efficient and good value

Very quick application process Quick transfer of money into my account Very low apr Reviewed on: 30th June 2017

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