Write a review

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65249 reviews)

View other Zopa products

4.94

Based on 65,249 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Quick and easy to apply with good app. Quick and easy to apply with good app. Showed me my chances of been accepted and payment into my bank was quick and simple. Can manage payments in the... Read more Reviewed on: 5th September 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

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 (65249)

exellent

very fast and efficient polite great value definately recomend to family and friends Reviewed on: 4th June 2017

Brilliant Team

I needed a loan and Zopa were very quick and helpful sorting it out. Reviewed on: 3rd June 2017

Fair

Very fair loan agreement for my first ever loan & credit score. Quick & easy process, would highly recommend. Reviewed on: 3rd June 2017

Quick, Easy & Hassle free loan

I have nothing but good words to say. I had a poor credit score but Zopa gave me a chance when no others would. From start of process to money in the bank was quick & easy & all done at a fair apr % for my circumstances. Keep up the good work. Reviewed on: 3rd June 2017

Fast, no hassle, easy

I've had a couple of loans through Zopa now and each time, they have been fast, with no hassle and easy to manage. The summary of your loans is clear on the website and if you meet your repayments, you never hear from them! Reviewed on: 3rd June 2017

Amazing!!

Zopa not only offer great low rate peer to peer loans, but their customer service is amazing too. You can mange your account online and everything is clear and transparent. I won't use another loan provider now! Reviewed on: 3rd June 2017

Fantastic service

Quick decisions, clear information, great rates Reviewed on: 3rd June 2017

excellent service

Was so happy with my experience. Very efficient and smooth. Thanksyou Zopa Reviewed on: 3rd June 2017

Highly recommended A* service

Very impressed with the service received from zopa. For a quick and easy no hassle loan these guys are the best Reviewed on: 3rd June 2017

Fast, fair and friendly

I would normally go to my bank or building society for a personal loan but I already had a personal loan with my building society and found I needed money fast for a problem that came up with my property. I didn't know what to do, borrowing money has always worried me but I had had so much unexpected expense in the past few months that I had no choice but to borrow! Someone recommended Zopa, but I wasn't too sure about borrowing from an online company; people of my age tend to be a little conservative, the internet is still a relatively new concept as far as I am concerned! However, I applied, and I couldn't believe how easy it was to fill in the online application and how quick they responded. My application was accepted and the money in my account in under a week and what had seemed like an almost insurmountable problem was solved! No fuss, no disapproving looks from a bank manager, just a quick credit check and done. When I spoke to staff on the telephone to confirm everything had really gone through so quick they were so kind and reassuring, though they must have thought I was bit behind the times! Reviewed on: 3rd 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

Short-term loan
from Lending Stream 4.93 from 2495 reviews
Loans
from Thamesbank Credit Union 5.00 from 14 reviews
Personal Loan
from JN Bank UK 4.96 from 699 reviews

Want to see more from Zopa?

Current account
from Zopa 5.00 from 2 reviews
Cash ISA
from Zopa 4.94 from 1262 reviews
Smart Saver
from Zopa 4.94 from 7180 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