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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)

Given rate advertised

Had 2 loans with zopa, and both were at the advertised rate. Would use again! Reviewed on: 2nd June 2017

Efficient and painless

Taking out a personal load is a daunting task and searching lenders can be a mine field. Not with Zopa, from beginning to end, easily navigated structured menus with concise up to the minute information made the whole process a please. For me there is only one choice, Zopa. Thank you. Reviewed on: 2nd June 2017

Fast, efficient and simple!

After shopping around I was a little cautious, however the rates, service and application process were fantastic. Reviewed on: 2nd June 2017

Excellant

Wonderful way to get a loan, had no problems. Reviewed on: 2nd June 2017

Great product despite initial hiccups

I knew I wanted to get a peer-to-peer loan from the get-go and knew about Zopa beforehand. I did a quote to see how much it would cost me to take out a £3,000 loan over the course of a year and was delighted to see that my interest rate was quite low. I also liked the fact that this quote did not affect my credit score in any way and that there were no early repayment fees. I decided to just go for it, however I didn't receive the quick and easy confirmation from Zopa that I was hoping for. I was under the impression that a final decision would be given to me quite quickly but this process took 10 days from submitting my application to getting it approved. This was because I needed to provide additional information, including a copy of my passport to prove who I was. While I obviously didn't mind doing this, I found that the communication levels were quite poor. It took me ringing up about four times to find out exactly what it was they wanted. Because a lot of the system is automated, I didn't receive any emails telling me that there was still outstanding information on my application that needed to be verified. Nobody rang to tell me this was the case. I had to chase them. Anyway, after that was all sorted the money was deposited and I have had absolutely no problems with the provider whatsoever and am happy with the loan. Reviewed on: 2nd June 2017

Brilliant lender low cost Apr

I found this lender whilst searching for a loan and I was impressed at the quickness of being able to secure it. I was also impressed at the low interest rate which was easily managed to suit my earnings. I would definitely recommend to others looking for a loan. Reviewed on: 2nd June 2017

Amazingly low rate and so easy to arrange with simple, uncomplicated paperwork

The rate I received through Zopa was far lower than I had been offered elsewhere. I felt like they recognised my excellent credit score instead of trying to profit from me. The arrangement was so easy and all online, which I much prefer. The forms and statements are clear and fuss free, and I would genuinely recommend Zopa to anyone looking for a loan. Reviewed on: 2nd June 2017

Just the best!

Searched online for the best deal and Zopa beat everyone hands down. So simple to use website and application process. Decision made almost straight away and finance in my account within 48 hours. I'll definitely be using Zopa again without a doubt. Reviewed on: 2nd June 2017

Great rates Great service

My experience of Zopa is very good,loan application approved promptly,offering fantastic rates and importantly no early repayment charges.Top marks Zopa Reviewed on: 2nd June 2017

Low rate

Receive my loan within couple of days. This is my 2nd loan at Zopa. Reviewed on: 2nd June 2017

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