Write a review

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65248 reviews)

View other Zopa products

4.94

Based on 65,248 reviews, last reviewed 25th Jul 2025

96% 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

Good card more helpful and good customer service Good card more helpful and good customer service Reviewed on: 25th July 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

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 (65248)

Superb cost effective way of borrowing!

I applied for a loan from Zopa as recommended from Moneysavingexpert website. I Was pleasantly surprised at the extremely low interest rate and the speed from initially applying to having the money in my account. A really nice touch is having a monthly statement sent to my email address and the ability of paying the loan off sooner if I wished. Have already recommended Zopa to friends. Reviewed on: 23rd June 2017

Quick, Simple and Accessible for all!

One of the best things about accessing lending from Zopa is the swift online application process - I could even upload my Identification documents as image files! No clunky forms or time consuming meetings - within two days I had an agreement, and was able to log in and change my payment date to one that worked for my family finances. If only all loans providers were as easy to deal with! Reviewed on: 23rd June 2017

it is exelent for the rates

It is worth while for the money and the experience Reviewed on: 23rd June 2017

Fast and great technological interaction

I like the fact Zopa was there to lead and the way to access the loans and time of transfer made it easier in my busy scheldue. Reviewed on: 23rd June 2017

Stress Free

When you apply for a line you worry that you have to spend hours trawling through a lot of questions, including your inside leg measurement! Just to then be kept waiting to see if you're an acceptable risk or not. Zopa cut through all the hassle. A simple process with a quick answer. You don't have time to stress or worry as they make it as easy accessible experience. Reviewed on: 23rd June 2017

Zopa loan

Very pleased with service and app is great Reviewed on: 23rd June 2017

Making borrowing money a pleasure.

Very easy to apply for a loan , completed the form online and had a decision in minutes. Cash within a couple of days. Easy. Reviewed on: 23rd June 2017

Speedy service

Great service and a reply within a couple of days Reviewed on: 23rd June 2017

Excellent service

I have used Zopa twice now and found them both easy to navigate and to have excellent customer service. Rates are good and service is fast. Good work Zopa! Reviewed on: 23rd June 2017

Quick, good clear website Way cheaper than anyone else i have seen.

It was quick and easy. Uploading the bank statements was a tad annoying but understandable. The best thing for me was after I put all my details in the loan was offered at a slightly lower interest rate than the headline advert. My bank offered me the same sort of deal but at the end of the application the interest rate actually jumped considerably. Reviewed on: 23rd June 2017

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

Personal Loans
from ASDA Money 5.00 from 23 reviews
Payday Loan
from Panda Payday Loans 2.71 from 7 reviews
Personal Loan
from Ikano Bank 1.85 from 36 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.94 from 1262 reviews
Smart Saver
from Zopa 4.94 from 7180 reviews
Fixed term savings account
from Zopa 4.93 from 1784 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