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)

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

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

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 Acorn Community Bank 4.94 from 884 reviews
Loans
from Scotwest Credit Union 5.00 from 2 reviews
Personal Loans
from Lending Works 4.42 from 7 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