Write a review

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65247 reviews)

View other Zopa products

4.94

Based on 65,247 reviews, last reviewed 13th Jun 2025

44% decrease in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

95%

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

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

Review Zopa: Personal loan now

Help others make smarter decisions by sharing your own experience.

Write a review

Zopa Personal loan reviews (65247)

Terrifying experience made easy!

I was so nervous about getting a loan for the first time. I heard so many negative reviews and people getting in debt with repayments or interest. Zopa were amazing! Easy to understand and apply! Low interest! Easy repayments. Made the whole idea less terrifying! I would defiantly recommend!! Reviewed on: 22nd June 2017

Loan process

Very helpful and easy to understand Reviewed on: 22nd June 2017

Painless

Dealing with Zopa was so quick and easy and can't believe how reasonable the rates are. Would certainly recommend Zopa to anyone I know Reviewed on: 22nd June 2017

Quick and easy loan at best rate

Great quick and easy loan at the best rate Reviewed on: 22nd June 2017

Straight forward loan

It couldn't be made an easier, the entire process is straight forward and made easy. As well as the fact its not a bank you're paying back but people. Reviewed on: 22nd June 2017

Excellent, straightforward and ethical

Zopa is now my lender of choice. As a family, we have borrowed twice through Zopa. Both times the process has been straightforward. I find the language Zopa use to describe terms and conditions pretty much market-leading in terms of clarity and how easy it is to understand. This is outstanding in a world where many organisations hide behind impenetrable, long T&Cs filled with legalese. Zopa deserves huge credit for its hard work in this area. Zopa has offered decent interest rates whenever I have compared them. What's most important for me though is the business model. I like that I am borrowing outside the established big businesses of the banks. To further improve their business model, I would love to see a section on Zopa devoted to ethical lenders . Can't fault the customer experience. Reviewed on: 22nd June 2017

Super smashing great

Absolutely great customer service can't fault them will definitely use them again!! Reviewed on: 22nd June 2017

Simply offers the best rates

I was looking for a loan to purchase a new car zopa by far provided me the best deal. Would recommend to friends and family. Reviewed on: 22nd June 2017

Very quick service

Zopa were very quick and efficient at processing my loan..I found Thier customer service very helpful and friendly :-) Reviewed on: 22nd June 2017

Positive experience

I've had an extremely pleasent experience with Zopa, I was referred to using this company through clear score as I wanted a loan for a car. I applied for a £5,000 loan, it was approved within minutes and the funds were transferred into my account within 3 days! I was so pleased that the application was processed with so much efficiency! Reviewed on: 22nd 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

Loans
from TM Advances 1.00 from 1 reviews
Personal Loan
from 1st Class Credit Union 5.00 from 22 reviews
Loans
from Koyo 5.00 from 2 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.94 from 1261 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