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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65249 reviews)

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4.94

Based on 65,249 reviews, last reviewed 16th Oct 2025

67% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Good happy with the seevice Good I am happy with service I would recommended Reviewed on: 16th October 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 (65249)

Helpful loans

Zopas friendly and quick helpful service has helped me get my loan , great rates and the best around. Wouldnt go anywhere but with zopa from now on. Second to none.. Reviewed on: 30th May 2017

So So Easy

The whole process only took a few minutes on-line to complete and worked out a lot cheaper than my bank and the money was there within 24hours. Reviewed on: 30th May 2017

First class treatment

Very friendly staff that makes you feel valued Throughout the whole loan process Reviewed on: 30th May 2017

Very quick service

Very quick service with low interest Reviewed on: 30th May 2017

Loan approval

Excellent customer and online services I got my loan approved last month. Online application was simple and easy my loan got approved within few mins and money was in my account within 1 hour and above all very low 3.4% APR rate which I couldn't find any were else. Highly recommended to all the customers customer services department are always there to help Reviewed on: 30th May 2017

Simple & Effective

Needed money fast and quick and was hassle-free. Showed me final total repayment amount and the monthly amounts broken down. Was easy to follow and quick to complete. Interest was a little high but it was clearly displayed and there was no effort to hide it which made me confident in what Zopa were offering me. For me, the key was to see how much i was going to pay in total and what the monthly amounts would be and this was clear and easy to understand. Reviewed on: 30th May 2017

Quick and easy

It was very easy to apply and got the decision quickly. Got the money into my account while explaining terms and conditions very clearly. Reviewed on: 30th May 2017

Innovative, quick and superbly efficient

Zopa takes lending to a new level. They are not greedy and offer good rates. It is quick and easy to apply and they make a decision quickly. This spells disaster for other loan providers Reviewed on: 30th May 2017

SIMPLY straightforward

We needed a loan to purchase our car. ZOPA came in with the most reasonable and affordable rates by a landslide. The whole process was simple and quick to get set up and going. Next time I need a loan, they'll be my first port of call. Reviewed on: 30th May 2017

Fair, fast and effective.

Easy process, supportive staff and a loan that enables me to purchase the car I have been saving towards for the last few years. Thanks. Reviewed on: 30th May 2017

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