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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

50% 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 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)

loan-in-hurry

Unexpectedly I needed some money after checking other companies Zopa seemed the best option which proved right in 2/3 days the money was on my bank. Reviewed on: 30th May 2017

Very good an simple way to borrow

I applied online after seeing a ad for zopa. 6k at 3.8% apr over 48m which was great simple online form only took a few days so far so good would use again an didnt effect credit rating.. Reviewed on: 30th May 2017

Impressive response

Was amazed how quick the process was and very helpful indeed I'm definitely impressed by zopa thank you for your time and help Reviewed on: 30th May 2017

Quick, easy to use and straightforward process

The application and approval process was quick, T&C clear and the transfer of money was fast. Overall would highly recommend Zopa Reviewed on: 30th May 2017

Hassle free great experience

Very easy hassle free experience. No problem whatsoever and very flexible in terms of changing payment dates etc. Definitely recommend them Reviewed on: 30th May 2017

EASY APPLICATION PROCESS

from start to finish from application to receiving my funds was seamless the interest rate will not be beaten. will use again and recommend to anyone. Reviewed on: 30th May 2017

Oh wow so cheap

It took about a week to get the loan , cos of the checks they did , didn't mind that cos I feel safe that if someone was to try to get a loan in my name it will not be with these guys , thank you for checking all the way guys . The % is amazing don't know how they can do it that low not that am complaining definitely recommend to anyone . Reviewed on: 30th May 2017

Great fast service

Great fast service with good interest rates would definitely recommend Reviewed on: 30th May 2017

easy, hassle free process which enabled me to consolidate other debts

Stress free process enabling me to consolidate other debts. Have recommended to friends who are considering loans. Reviewed on: 30th May 2017

Easy, quick and trustworthy!

I applied for a Zopa Loan last year to tide me over until pay day. The loan was processed very quickly and paid into my account within 3 days. Repayments have been a breeze. With monthly direct debits making it easy and I have also been able to make extra repayments at no extra charge! Could not fault this loan provider at all based on my personal experience. Their website is also very smooth and easy to use. And getting a quote doesn't affect your credit rating! Would recommend to pretty much everybody, as Zopa bases their loans on circumstances and give you an amazing offer. Thanks Zopa! Reviewed on: 30th May 2017

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