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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)

Blessed Zopa

It was a very smooth transaction. Thank you very much! Reviewed on: 5th June 2017

Really simple and ethical

I like the idea of peer-to-peer lending - people helping people rather than relying on big businesses and banks. With this in mind, it is great to see how easy and remarkably competitive Zopa loans actually are. I only wish they could sort me out with car insurance too! Reviewed on: 5th June 2017

Customer friendly application.

Earlier I consolidated two loans into one at a better interest rate saving £150 per month. The process was very easy and the decision was fast without any need to contact ZOPA. My direct debit was altered and I was pleased I was able to change the repayment date. Overall a very good product and service. Reviewed on: 5th June 2017

Trust worthy. Easy. Extremely efficient.

I have had two loans over the past six years both with Zopa. They have been the cheapest prices both times because of the unique method they use for giving loans. The day is coming when I will be one of the lender's and not the borrower. Thank you. Reviewed on: 5th June 2017

Fast and easy

Have used zoos twice and have found them very helpful and easy to use. Reviewed on: 4th June 2017

Brilliant easy loan service

I needed a short term loan quickly and was referred to Zopa by an online credit service. The process was very simple and within 24 hours I had a decision and the loan was in my account. Payments are by Direct Debit straight out of my account and everything has been hassle free. I can't fault it. Many thanks Zopa you got me out of a jam quickly. Reviewed on: 4th June 2017

Unbeatable, reliable

Any problem or query I had dealt with straight away. No hidden surprises , there slogan should be simply the best Reviewed on: 4th June 2017

Simple

It was easy simple quick and an efficient process. No filling and signing lots of forms. Reviewed on: 4th June 2017

Easy, fast and user friendly.

One of the best rates I could get for a £15k car loan. Was simple to apply and got the money within a few hours. Easy to access online account and overpayments are free . Would definitely use again. Reviewed on: 4th June 2017

Excellent

So easy to apply and manage online. Good communication. Reviewed on: 4th June 2017

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