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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65248 reviews)

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4.94

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

100% 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 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

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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 (65248)

Great alternative to conventional lenders

When looking for an unsecured loan Zopa were by far the most accommodating, offering loans at highly competitive rates compared to conventional lenders. Making extra payments is very flexible with no penalty for early completion. To date I have had two loans with them and will always make them my first port of call in the future. Reviewed on: 23rd June 2017

Excellent experience, easy from beginning to end

I took out a small loan to consolidate some bills. The experience with Zopa was very easy, the application is simple and quick. Once your application is approved the money is available within a few hours. I feel the interest rates are extremely fair and I would definitely recommend people use the service. Reviewed on: 23rd June 2017

Excellent loan service

What I love about zopa and is that you can pay off your loans early this makes it a variable very flexible solution when you need to borrow some money. Of course when you have money spare you can lend it to other people so you feel like you're helping out the community whilst making some extra money. In the end everybody wins. Reviewed on: 23rd June 2017

very good

Excellent in quickness of letting you know if you have got the loan. Money put into my account with no fuss. Excellent all round. Would recommend. Reviewed on: 23rd June 2017

Excellent service

Quick, easy and user friendly. There isn't much to complain about with Zopa so they get my highest rating Reviewed on: 23rd June 2017

Quick, easy and reliable

We needed a boost for our wedding expenses and struggled getting a decent interest rate. Zopa was what we needed and when I called for help/advice they were excellent and communication via email was brilliant too. I couldn't recommend them highly enough - reliable and a great company! Reviewed on: 23rd June 2017

Simple, Fast And Accurate

Apllied For A Loan For The First Time.. Filled In A Short Form Got Accepted Got Paid... No fuss No Hassle.. Recomended To Friends And Family A Week Later.. Reviewed on: 23rd June 2017

No hassle!

Every step has been simple. I'm amazed by the rates and also love that this company works to help its customers, instead of ripping them off. Reviewed on: 23rd June 2017

Loans

Was very easy to fill out all the forms and had an instant response on acceptance. Got the money in the timeframe needed and couldn't be happier. Reviewed on: 23rd June 2017

Hassle free and very, very quick.

I needed to do some home repairs in order to get my house on the market. My bank wouldn't give me a loan so I turned to Zopa. Within days of my application I had the money in my account and was able to have a new bathroom fitted. Monthly payments can be set to a manageable rate suited to your own ability to pay. I'd recommend Zopa to friends, family and business associates. Reviewed on: 23rd June 2017

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