Smart Money People Logo

Zopa: Personal loan reviews

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%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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

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 (65248)

Very quick

5
Very prompt with getting back to me with a decision. Very efficient. Reviewed on: 1st June 2017

Life saviours!

5
Great service, quick decision, minimum paperwork, and the rates are fenomenal. High acceptance level makes them even more approachable. More than affordable loans with a personal touch. Reviewed on: 1st June 2017

Great loan provider

5
Zopa had one of the best rates on the market way better than many of the more familiar names. Easy straightforward application process and money was organised into my account very quickly. Easy to keep track of my payments, would recommend to all my friends and family Reviewed on: 1st June 2017

Very simple and fast

5
It's been problem free and very quick and easy Reviewed on: 1st June 2017

How can it be so competitive!?

5
For a loan provider that operates so quickly and smoothly, I am blown away at the competitive rates they have to offer. It isn't a case of paying an arm and a leg, but I am barely paying an extra month's worth of repayments by the end of my term...INSANE! So happy with this service, quick, easy and great customer service too. Thanks Zopa! Reviewed on: 1st June 2017

easy, convenient and quick

5
Zola were a pleasure to deal with. hassle free and quick turnaround. friendly and helpful Reviewed on: 1st June 2017

Excellent service

5
Had applied for the loan and was the quickest response I have ever experienced. Excellent. Reviewed on: 1st June 2017

Zopa Loan

5
Very easy to set up via a very user friendly web site. Excellent rates. Virtually instant decision. Reviewed on: 1st June 2017

Fast and Friendly

5
Fast and friendly with much lower interest rates than the mainstream banks and building societies. Reviewed on: 1st June 2017

Easy no hassle application

5
Easy quick process, no messy paperwork. Fast decision, superb service. Reviewed on: 1st 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

Want to see more from Zopa?

  • Current account

    from Zopa 5.00 from 2 reviews
    Zopa
  • Cash ISA

    from Zopa 4.94 from 1262 reviews
    Zopa
  • Smart Saver

    from Zopa 4.94 from 7180 reviews
    Zopa
    View all products