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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

100% 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)

No-fuss, quick and easy application

I was a little apprehensive about applying for a small personal loan due to having an adverse credit history. However the online application process was quick and easy, I got an instant decision with full interest and repayment details, and received the loan funds in my bank account within just a couple of working days. I'd recommend Zopa to anyone considering a small loan. Reviewed on: 30th May 2017

Pretty good

The interest rate was low and stays low, the decision was quick, although it did take some time for the money to be transferred and in this modern world of same day transfers I don't think paying extra for same day is really justifiable. But overall pretty good. Reviewed on: 30th May 2017

Excellent service - highly recommend

Zopa is great. The application process is quick, simple and secure. They never bother me with marketing emails and I can login to check the status of my loan and repayments at any time. Suits me perfectly. Reviewed on: 30th May 2017

No hassle, straight forward and best rates ever

Very straight forward, no hidden information or charges, best rates guaranteed. online access help to keep a track of our payments. highly recommended Reviewed on: 30th May 2017

Excellent and flexible

I finf Zopa excellent and extremely flexible, i can make overpayments and have my monthly amount instantly adjusted. If I want to I can clear the loan immediately and incur no additional charges. I have used for a number of years and will continue to do so. Always my first port of call for a loan and recommend to anyone after a loan. Reviewed on: 30th May 2017

Excellent loan and service

Excellent rate, quick and efficient service with a decision in few minutes Reviewed on: 30th May 2017

Great Service

Can't fault at all. Would definitely use again. Reviewed on: 30th May 2017

Excellent and friendly service

I used zopa to consolidate a few diffrent debts around a year later I did the same and got a better Apr rate at the same time, anytime I've been on the phone the staff are helpful and go that extra mile to help you Reviewed on: 30th May 2017

Excellent

I have been a customer of Zopa for some years now. Why? Well, they are easy and courteous to deal with, their interest rates are very good and their early repayment policy excellent. I have recommended them to several friends and shall continue to do so. And when I need a loan? Well, I know who I'll be going to! Reviewed on: 30th May 2017

Efficient and cheap

Super website, low cost and easy to repay. Reviewed on: 30th May 2017

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