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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)

Fantastic service

Loaned twice with zopa, really quick decision and very competitive interest rates. Reviewed on: 23rd June 2017

Quick and easy

Quick and easy to use with one of the best if not the best rate. I'm still waiting for my cashback from the promotion though, some say they got theirs in a few days, I'm still waiting after a few months. Will use again for any consolidation needed. Reviewed on: 23rd June 2017

Great loan company

Great customer service would definitely recommend to friends and family Reviewed on: 23rd June 2017

At last!

An easy application and a very fair interest rate. So much lower than other providers. Reviewed on: 23rd June 2017

Fantastic

Zopa have taken away all of the stress of our wedding by allowing us to pay everything off at once, allowing myself and my future wife to concentrate on the things that matter. Highly recommended. Reviewed on: 23rd June 2017

Fast efficient service

Great service, great rates and good communication. I'd highly recommend. Reviewed on: 23rd June 2017

Amazing easy to apply, decision very quick, very competitive rates

Applying was very straightforward and the decision was made within hours, the rate was the best in the market, would highly recommend them. Reviewed on: 22nd June 2017

Easy, fast and fantastic interest rates.

Just seems such an easy service to use and couldn't find a better deal. Perfect! Reviewed on: 22nd June 2017

No-brainer!

I bought a car from a dealer I didn't really know so I paid with credit card as it gives extra consumer rights and redress if things go wrong. I couldn't afford to settle the debt immediately so I looked for a loan that was affordable to pay off the credit card. The Zopa interest rate was 5%, four times cheaper than keeping the debt on the credit card. No-brainer. Over two years I'm paying only £200 in interest. That's £8.34 a month. Great value I'd say! Reviewed on: 22nd June 2017

Consistently simple & brilliant

Always a positive borrowing experience - straightforward, speedy & honest. Reviewed on: 22nd June 2017

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