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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65248 reviews)

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4.94

Based on 65,248 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

67% 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

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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 (65248)

Straightforward

Quick, easy and straightforward! It was my first time applying for a loan - had approached the bank initially but been told I would need an appointment with an advisor. While waiting for said appointment I decided to have a look at what was available online, found ZOPA and had the loan approved within a few minutes of applying. The banks need to up their game in the face of this very streamlined process Reviewed on: 1st June 2017

Easy to use and good rates

I have used Zopa a number of times over the last 15 years, usually to buy a car. They are quick and easy to use. They seem pretty ethical and I have never had any issues. Reviewed on: 1st June 2017

Great service

I have borrowed twice from Zopa over the last 10 years. Both times the service was simple to use and very clearly explained. Reviewed on: 1st June 2017

Great APR rates money in your account fast

This is the second time I have used Zopa, they offer superb rates with a fast payment in to your account. The online application process and navigating your online account is very easy. I highly recommend Zopa Reviewed on: 1st June 2017

Low interest rate

Zopa Loan is one of the list of company that offers low interest rate to customer and the system is very flexible, which means you can pay off lump sum anytime if you want to Reviewed on: 1st June 2017

easy to use and very customer friendly

An uncomplicated and user friendly service. I would recommend zopa to anyone who needs to take out a loan. Reviewed on: 1st June 2017

Simply the best

Easy to take out a loan no hustle and low interest rates Reviewed on: 1st June 2017

last chance

the best company ever. your company help me in hard moment at my life, the lowest charges when borrow money Reviewed on: 1st June 2017

So simple & extremely low APR

Easiest application i've ever done. The zopa website is so simple and flexibility on repayments is superb. Ultimately, I found the rates cannot be beaten. Very happy with my 3% APR Reviewed on: 1st June 2017

Fast & Efficient

I applied for my 2nd Zopa loan recently & it was easy and quick, plus they offered me a great deal! Reviewed on: 1st June 2017

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