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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 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Quick and easy to apply with good app. Quick and easy to apply with good app. Showed me my chances of been accepted and payment into my bank was quick and simple. Can manage payments in the... Read more Reviewed on: 5th 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

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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)

Fast and simple

I needed a small loan and was finding it difficult to compare options on various bank comparison sites. Then Zopa came up in Google results and as soon as I saw the website I knew it was the right place. Their calculator immediately made me find the right package, and in no time at all the money was sitting in my account. You tend to think loans would be a pain with face to face grilling and a long credit check process, but Zopa was a breeze. I'm very glad I went with them. Reviewed on: 30th May 2017

So easy

The application process is simple. Once I had the loan it was easy to keep track of how much I owed on-line and when I wanted to consolidate other finance it was simple to increase my loan. Interest rates are also competitive. Reviewed on: 30th May 2017

Super Quick and Easy!

This was my first loan and, being fairly young, I have a lack of credit history which meant even though my score was 'good' I was still get ridiculous interest rates from my bank. I used money-supermarket to see if there were any other options which is how I found Zopa. Initially, I was a bit wary after hearing horror stories about companies like Wonga.com etc. but the website was so informative that my worries quickly disappeared. I was approved and paid the extra to have the next day service so I applied for the loan by 10am Thursday and had the money in my account within about 28 hours. Overall, I was extremely happy! Reviewed on: 30th May 2017

Very easy very quick

Very easy to apply for the loan and very quick when I was accepted Reviewed on: 30th May 2017

Best loan ever

Fast friendly experience easy form start to finish Reviewed on: 30th May 2017

show me the money...

I had never taken a loan before so discussed it over the phone with a member of the customer service team. they were so helpful and put me on the right track of clearing me of debt! you're reading this thinking this sounds like a corny add , but I'm now on my way to a brilliant financial situation! this year I become a home owner! fingers crossed! Reviewed on: 30th May 2017

Quick and easy

Great company so quick and easy and much cheaper than the loan I was refinancing Reviewed on: 30th May 2017

Fast easy application

Was very impressed how fast and easy the application was, the money was in my account within a few days and the online login makes everything really clear and easy to keep track of! Reviewed on: 30th May 2017

Reasonable and Responsible Lending.

I borrowed a small sum of money to make some much needed home improvements. When I looked at lenders on the High Street I was surprised to learn that it was more expensive to take out a relatively small loan and the banks encouraged me to borrow more money than I required in order to get more attractive interest rates and lower monthly repayments. Then I stumbled across Zopo who seemed to be too good to be true. I was able to borrow what I needed with a low monthly interest rate over a duration of time that suited my circumstances. It was hassle free to apply and the money was in the bank within 48hrs. I couldn't be happier with Zopa I would definitely recommend them to my friends and family. Reviewed on: 30th May 2017

No banks, No messin!

I've had 3 loans with Zopa now and all of them have been fast and hassle free. If your credits good, you're sorted! Reviewed on: 30th May 2017

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