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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65248 reviews)

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4.94

Based on 65,248 reviews, last reviewed 25th Jul 2025

100% 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

Good card more helpful and good customer service Good card more helpful and good customer service Reviewed on: 25th July 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 (65248)

Quick easy

Fair rates. All done online quick easy honest Reviewed on: 30th May 2017

Very satisfied.

Very satisfied indeed and would be more than happy to recommend to friends and family and even use again myself. Very simple and straight forward process, hassle free. Reviewed on: 30th May 2017

Great loan at a great rate!

Great loan. Helpful! Great rate! Reviewed on: 30th May 2017

Car loan

Very straight forward application told within minutes I had loan in my account in a matter of days will definitely use again Reviewed on: 30th May 2017

Easy and straight forward

A really easy and straight forward application and help is at the end of phone with people who help and make it easy to apply for a loan. Reviewed on: 30th May 2017

Loans with a fair interest rate

Easy to apply, great customer care, favourable interest rates - consider Zopa first for loans. Reviewed on: 30th May 2017

excellent

The service is great .. and the rates are great too Reviewed on: 30th May 2017

Great loan rate, Great Experience

I applied online and was immediately approved for a loan with the lowest rate I have seen anywhere. I had the option to have the money in my account with 24 hours, however I chose 3 days and the money was there as promised. Also, I like their very simple online portal that lets me overpay the loan whenever I want, without penalty. Excellent. Reviewed on: 30th May 2017

The Only Loan for People who hate People

So, I guess from the title you've gathered I don't like speaking on the phone to call centres - in fact I detest it, even having spent a few years working in one! With Zopa I wanted to grab a few pennies for some home renovations - long overdue and never my first choice for finance (with a broken nose and knackered tits from having two kids my first choice would be a reputable plastic surgeon - but il pay this loan back first..)! I applied online, it was quick - obviously my personal credit check was impeccable & BOOM accepted... just like that - no need to speak on the phone, the terms of financing could be viewed and reviewed at my pleasure (we all love a bit of light bed time reading to get us in the mood for the best slumber ever, right?) The next day funds were in my account & renovations/home decorating started - whilst I regret my house being a constant tip and wish I'd got a straight nose and rack to challenge Pammie's I'd recommend Zopa any day and will certainly be a returning customer for future financing requirements! Reviewed on: 30th May 2017

Simple and straight forward

Loan application process was very simple and straight forward when applying. With excellent communication from Zopa throughout. Many thanks. Reviewed on: 30th May 2017

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