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Zopa: Personal loan 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
See only 5 star reviews
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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
Jegathasan G's avatar
Jegathasan G

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
Julie E's avatar
Julie E
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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)

The best loan company ever

5
Great service ! I got my loan for home improvement approved in 5 min with no extra afford from my side. Money were in my bank account in next 2 days. No hidden fees, lowest % of interest. Recommend Zopa and will use them again Reviewed on: 30th May 2017
Oxana 's avatar
Oxana

Fantastic! Highly recommend

5
Have used Zopa twice now. Both times have been faultless, quick and easy. If I ever require another loan, I will definitely use Zopa Reviewed on: 30th May 2017
Will Scott-Howes's avatar
Will Scott-Howes

Quick and easy service.

5
Zopa loan terms and interest came back as the most competitive available and the loan was completed quickly and hassle-free. Reviewed on: 30th May 2017
Dan Goodrum's avatar
Dan Goodrum

Excellent

5
Excellent - Simple and very quick access to money in no time Reviewed on: 30th May 2017
John howard's avatar
John howard

Much Easier to Deal With than Traditional Banks

4
The application process is straightforward and quick. It would be helpful to have some of the underwriting criteria explained when a loan offer is made for a lesser sum than sought or at a different interest rate from the Zopa headline rate. Zopa would be my benchmark against which I would score any other credit provider. Reviewed on: 30th May 2017
Trevor Harrison's avatar
Trevor Harrison

Quick and easy application

5
I chose Zopa to finance my new car, I was surprised how quick and easy it was to fill in the application to getting the money in my account. No hassle and the interest rate was excellent too, very happy with Zopa. Reviewed on: 30th May 2017
Gavin Dowd's avatar
Gavin Dowd

Impressive and realistic to working class.

5
Excellent customer service with an impressive online account. I can see how much I borrowed over what period of time and repayment amount all at the click of a button. What's more is there are no early repayment fees and I can choose to pay off more if i want to without any repercussions! This is an excellent benefit as it means if i have spare cash in a month i can use it to lower my repayments. It also gives me the flexibility to repay the loan early If I can and want to meaning your not actually tied into the yearly contract. Very quick credit check which let me know instantly if I had been accepted. Money was in my account when promised and helped me out of a very tricky situation which would of left me with no transport and unable to get to work. Interest rates are amazing compared to others on the market. A very fair and reliable loan provider. I would be more than happy to recommend zopa to anyone! Reviewed on: 30th May 2017
Keeley wright's avatar
Keeley wright

Great company

5
Fast service. Received money into my account very quickly Reviewed on: 30th May 2017
Kerry Lockwood's avatar
Kerry Lockwood

New customer

5
Very clear on terms and helps to raise credit score Reviewed on: 30th May 2017
Ineta's avatar
Ineta

Excellent

5
Great customer service and simple application process . Reviewed on: 30th May 2017
Shankar Khatri's avatar
Shankar Khatri

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