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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65247 reviews)

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4.94

Based on 65,247 reviews, last reviewed 13th Jun 2025

83% decrease in 5 star reviews

in the past 90 days

83% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Honest company, rare! The loan details are clear and precise the interest rate was excellent. Changing payment dates has been simple without any forfeit. Just appear to be ... Read more Reviewed on: 13th June 2025

Latest lowest rating:

1

Poor customer service Paid off my loan early well over a month ago. Still showing as a debt on my credit report. Inaccurate payment details shown on credit report too. Made... Read more Reviewed on: 4th May 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 (65247)

Great value loans and great service,

I would normally only have considered a loan through my bank, but having read reviews of Zopa loans on financial advice websites I decided to take the chance and go with Zopa. Very glad I did, great customer service and automated service, the text to confirm they have recieved the direct debit is most appreciated! Reviewed on: 30th May 2017

Excellence !

Process So smooth from start to finish, highly recommended Reviewed on: 30th May 2017

Fast, friendly and fair!

I took out a loan 20 months ago with Zopa to fund the purchase of a new car. The process couldn't have been easier. I needed £20k and Zopa to me through the whole process within a couple of hours. They were really helpful and made everything very clear from the outset. I had a decision really fast and had the money in my account within a couple of days. A few months ago, Zopa offered me an even better interest rate than the one I was on so I consolidated onto the new rate with the aim of paying less interest over a shorter repayment term (which suited me perfectly). The customer service agent was brilliant and within an hour, everything was sorted, saving me over £800 in interest. I also love the fact that I can make extra payments and even settle early without any penalties! I wouldn't hesitate in recommending Zopa. Fast, friendly and very fair! Reviewed on: 30th May 2017

Awesome fast and simple

That easy no comment needed. Is a breeze Reviewed on: 30th May 2017

Good customer service

Great customer service. Good rates. Good communication. Thank you Reviewed on: 30th May 2017

Easy!

Zopa is easy to use, efficient and the fairest system of money-lending we've found. We've recently had the wedding of our dreams thanks to Zopa! Reviewed on: 30th May 2017

Zoom ahead with Zopa

Fair interest rates, friendly helpful staff. Affordable, would highly recommend. Reviewed on: 30th May 2017

Fab Service

Fabulous customer service always very helpful Reviewed on: 30th May 2017

Brilliant

No fuss, no time wasting. Great customer journey. Reviewed on: 30th May 2017

Fantastic, flexible, fair loans!

The customer service has been excellent! Great company I would recommend to anyone x Reviewed on: 30th May 2017

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