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Zopa: Personal loan 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
See only 5 star reviews
95%
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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
Mark W's avatar
Mark W

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
Laura J's avatar
Laura J
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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)

Flexible zopa

5
Zopa have been easy to work with and have been extremely flexible with repayments. Their interest rates are also the fairest I could find. Excellent experience overall which allowed me to buy my dream car. Reviewed on: 1st June 2017
Fraser MacDonald's avatar
Fraser MacDonald

Great service

4
Very quick and easy to get the money Reviewed on: 1st June 2017
Emma clark's avatar
Emma clark

Great service

4
Excellent provider, they made it very easy and quick to provide my loan. Reviewed on: 1st June 2017
Emma clark's avatar
Emma clark

Zopa is the best

5
Zopa is very helpful, quick to apply, their website is fantastic really easy to find the information you're looking for. And they're customer service is second to none. Reviewed on: 1st June 2017
Mbye Baboucarr Sey's avatar
Mbye Baboucarr Sey

Loan at the time I needed it!

5
Very quick and straight forward answer to my loan request. Zopa helped me just when I needed them! Reviewed on: 1st June 2017
Harjit Bagga's avatar
Harjit Bagga

Quick, easy, simple

4
Needed money for a holiday and zopa sorted me out very quickly with no hassle! Brilliant. Reviewed on: 1st June 2017
Lee Garry 's avatar
Lee Garry

Fantastic!

5
This was my first time taking out a loan. I am not usually one to borrow money but I took it out to have IVF, as my fertility is time-sensitive and I don't have time to save (unfortunately the IVF did not work). The Zopa website was extremely easy to navigate, and the questions were surprisingly brief. The money was in my account within a few minutes and the repayments and interest rate is extremely reasonable! My Dad is known for being, what's the polite term nowadays?.....'frugal' and even HE was surprised at how great the loan was! When he found out I'd taken out a loan, he first said that I should have asked him to lend me the cash, but when he read the terms of my loan and the repayment amount, he actually said "That's a really good loan" and he couldn't really offer me a monthly repayment plan that would have been much less than Zopa did! Great job Zopa!! Reviewed on: 1st June 2017
Teri Barker's avatar
Teri Barker

User friendly

5
Zopa was both user friendly, efficient and fast. I had no idea how impressed I'd be! Reviewed on: 1st June 2017
Natalie Salliss's avatar
Natalie Salliss

There to help not Rip off

5
Needed some extra cash quick to finish my house, applied, was accepted and received all super quick, the paid off my balance about 10 months soon, and this was as easy as first applying. Don't think I'll be needing a loan again, anytime soon but if I did, I know where I'd be going. Zopa all the way. Reviewed on: 1st June 2017
Lee's avatar
Lee

Excellent

5
Very easy to use and fast decision. Reviewed on: 1st June 2017
Mark innes's avatar
Mark innes

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