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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)

First time customer everything is ok

Nothing much to be said seems like a great company. Reviewed on: 1st June 2017

Accessible to everybody

The rates are quite good and the loan it's accessible to a wide range of people Reviewed on: 1st June 2017

Easy, No hassle loan!

I've been really inpresssed with Zopa. The application process was really quick and straight forward, the funds came into my account in no time. What I liked most is that there was no unnecessary paperwork through the post! Reviewed on: 1st June 2017

Simple Terms - Great Rates

It's straight forward terms, and very low rates. Overall it's just simple Reviewed on: 1st June 2017

Super Zopa, no drama.

I contacted so many lenders and was turned down as I had 1 missed payment to a previous lender and was, unbelievably defaulted as a result. My 12 year old car had had enough and was scrapped, I loved that car (sad face). None of the lenders I contacted would entertain me due to the default I contacted Zopa and within minutes I had the funds to buy some new wheels to enable me to get to work. I gave recommended Zopa to friends and family some of them have also had great service from them. I would definitely use Zopa again even now that the default has cleared. Great customer service, instant results, you can even pay off the loan early without any extra fees. Thanks Zopa, youre #1 Reviewed on: 1st June 2017

Top loaner

Applied online and knew in minutes if I were getting loan. Fab firm to do business with Reviewed on: 1st June 2017

I am very pleased

I recommend, quickly comfortable Reviewed on: 1st June 2017

Great service! very quick

approved immediately! would recommend again and again Reviewed on: 1st June 2017

Life-savers

My current bank (Lloyds) refused to give me a loan which i needed so much, without even being able to explain me why, Zopa offerred it. LLOYDS' loss as now the money that they could be making will be going to Zopa. Plus, Zopa provided a decent APR compared to the APR's presented by my bank. Reviewed on: 1st June 2017

I used to be happy

I recommend, quickly and safely, will always help. Reviewed on: 1st June 2017

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