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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65247 reviews)

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4.94

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

82% decrease in 5 star reviews

in the past 90 days

83% decrease 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

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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 (65247)

Fast and easy

Brilliant easy service from start to finish Reviewed on: 2nd June 2017

Quick easy brilliant

From the moment I started my application everything was seamless and I was approved and had the money in my account within days first class service Reviewed on: 2nd June 2017

Great competitive business

We used Zopa to consolidate a couple of small painful loans. The whole process was very easy-from completing the online forms to receiving the money was very quick. The great thing about Zopa is we can track the loan online even when our lenders change hands as so often does with cloud sourced money. We will be looking at using Zopa when we come to buy our next car-hopefully it will last a few more months!!! Reviewed on: 2nd June 2017

No hassle application

It is easy to apply for a loan with Zopa. Efficient, customer friendly service. You can also pay off your loan in full at any time with no penalties. Reviewed on: 2nd June 2017

So easy!

As someone with a very poor credit rating I was very surprised that I was accepted for a loan. The money was in my account in less than two days,well before I expected it. Their interest rate is very low, much much cheaper than any other company. I wouldn't hesitate to recommend Zopa to friends and family. They are the best by far!!! Reviewed on: 2nd June 2017

Great service

Applied and had cash within 3 days Reviewed on: 2nd June 2017

Customer service

fantastic, really easy to apply. Plenty of information during the application process leaving me feeling at ease. Money was available very quickly Reviewed on: 2nd June 2017

Straight Forward and Quick

Fantastic service could not have made it any easier!Highly recommended Reviewed on: 2nd June 2017

Fantastic lender

I applied for a loan in June 2016 and Zopa were able to give me a clear understanding of what the monthly repayments would be depending on the number of months of borrowing. The decision was quick once the application had been received and the money was in my bank account within 24 hours. The direct debit was all set up as part of the process and it's a stress-free loan process. I would definitely recommend Zopa to others looking to get a loan with great APR. Reviewed on: 2nd June 2017

Fantastic clear , easy and fair to customers

I need a loan for home improvements and look everywhere for loans. I stumbled on Zopa, I fouls them clear on loans offered and easy. Would use again Reviewed on: 2nd June 2017

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