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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

81% 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)

Why go to the bank

A Zopa loan is easier and much more flexible than many bank loans and there are no penalties for early repayments. Reviewed on: 30th May 2017

Quick and easy

Was looking for a good loan provider. Zopa came up as one of the lowest rates. Application only took a few minutes. And decision was pretty much Instant. Thoroughly recommend. Reviewed on: 30th May 2017

good rates

good rates and you can pay off the loan at any time without penalty Reviewed on: 30th May 2017

Quick and easy!!

Zopa were an efficient company when dealing with my loan request. I received the sum of money within a small duration of days and they keep me posted of my loan statements and also have an option to pay back the full loan without any penalty charges! Not many loan companies offer that! Reviewed on: 30th May 2017

Fast and easy

Brilliant in all aspects . I am pleased with the website and easy to understand all the terms. Reviewed on: 30th May 2017

Quick, Easy and Hassle Free

I have taken out two loans with Zopa. They were incredibly easy to set up and gave a very good rate, it was more reasonable than many other competitors. Using my online account I found them easy to use and keep track of the payments i had made. You can also change your payment date online without any hassle. I actually closed one of my loans early which was simple to do and didn't cost me any more. I would recommend Zopa to anyone looking for a short term loan. Reviewed on: 30th May 2017

A loan company that works with you

I've used zopa a couple of times over the past few years. Setting up the loan was quick and straightforward. You can access the account online to see how much you have paid off. I refinanced an old loan and within 48 hrs the old loan was paid off, the new one set up and any outstanding funds were in my bank account. I've had no nasty surprises and the company does exactly what you'd expect. I would highly recommend Zopa and will look to use them again if needed in the future. Reviewed on: 30th May 2017

Great rates, easy to use

I have used Zopa for a while for both lending and borrowing and have been impressed with the clear and concise information, trustworthiness and competitive rates Reviewed on: 30th May 2017

This is how it should be

pay off loan when I want with extra payments above standard monthly direct debit. Monthly payment adjusts to reflect what is left to pay. Win win for me and Zopa. Customer service helpful and friendly. Reviewed on: 30th May 2017

Easy to apply - quick, fair decisions

My experience with zopa loans has so far been an enjoyable one. Quick fair decisions with full explanation and easy to apply. Reviewed on: 30th May 2017

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