Write a review

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65251 reviews)

View other Zopa products

4.94

Based on 65,251 reviews, last reviewed 13th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

80% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Good company . Globalinvestigation.com is a trusted recovery company specializing in reclaiming stolen funds from scammers. Their dedicated team provides unwavering... Read more Reviewed on: 13th 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 (65251)

Excellent in every way

I'm really pleased I chose Zopa. At first I chose a loan with Zopa because they offered the most competitive rate but I found the application process was easy, the funds were in my account the same day and I receive regular updates about the outstanding balance. What's more i like the idea that the money I borrowed is helping someone to achieve higher returns on their investments than they would expect to receive from an instant access savings account with a bank; a win-win situation! Reviewed on: 30th May 2017

Easy, No hidden charged, low interest

Very easy to apply Whole process was straight forward No hidden charges Best rate in whole market No Marketing calls or fuss after Reviewed on: 30th May 2017

Life Saver!

Zopa Loans managed to assist me in a calm and highly profess manner so that I was able to organise my debt and finances accordingly and find a system that worked for me. You get complete access to your account online and get numerous different payment options to suit your status. Thank you for giving me the helping hand I needed to get back on track! Reviewed on: 30th May 2017

Quick and easy

From start to finish the whole process was quick and easy and was given an answer very promptly Reviewed on: 30th May 2017

Very efficient!

Easy to use and understand. Fast, friendly and their customer service is brilliant. Highly recommended... Reviewed on: 30th May 2017

If you short of money to buy somethin, this is the solution

I am statisfied with Zopa loan. Could get good amount on first time! Next time I would take this company again! Thank you! Reviewed on: 30th May 2017

Straightforward

Easy to set up online. Quick and easy access to a loan Reviewed on: 30th May 2017

Great Rates

The best value for money on the market and the process was quick and easy. Only disappointment was the after care. You get the money and they take it every month. No correspondence. Reviewed on: 30th May 2017

Straight forward and easy

I applied for a small loan shortly before Christmas for house decorating purposes and was amazed by the service and how straight forward it was to apply. As soon as the loan was agreed it was in my bank in a couple of days. I also have the option to pay more as and when I have extra funds without being charged. I would thoroughly recommend to friends and family. Reviewed on: 30th May 2017

Fab company and so helpful

Zopa were the cheapest interest rate and their quality service second to none. I had to change my bank details which again was done with ease. Brilliant company. Reviewed on: 30th May 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

Personal Loan
from Barclays 3.94 from 105 reviews
Personal loan
from Finio Loans (formerly Likely Loans) 4.85 from 3893 reviews
Home Credit
from Morses Club 2.87 from 34 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 7181 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