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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

98% 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

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)

Keeping things simple

The whole process was simple - fill in forms, get an answer and money transferred in no time. Even changing the repayment date was simple. Will definitely recommend to family and friends Reviewed on: 23rd December 2016

Excellent

Organised and well efficient way of taking a loan Reviewed on: 23rd December 2016

Brilliant, easy to apply and no fuss!!

I found ZOPA so easy and friendly. No fuss loan company with staggering rates!! Reviewed on: 23rd December 2016

good rates

Easy to apply and great rates. Nice people to speak to and easy to apply on line. Reviewed on: 23rd December 2016

Great rates and easy to setup

I wanted to buy a new car but wanted a low interest for the money I borrowed. Lower than what the car dealers offered. I got in touch with Zopa online and set up my loan and I am really please with the service and interest rate. Once I received the money I was really to buy my new car. Reviewed on: 22nd December 2016

Amazing

It was easy and with brilliant intrest rate Amazing customer service too Reviewed on: 22nd December 2016

Good to deal with

Taking out a Zopa loan was very quick and easy, and I got a good rate of interest. The only thing to be aware of is if you change banks, make sure it's well in advance of your Zopa payment date. My swap date was just a few days before payment and I didn't know that Zopa couldn't process it that quickly. Fortunately they called me straight away and I made that month's payment by debit card. So good customer service. Reviewed on: 22nd December 2016

Couldn't be any easier

Fast and troubles free experience. Excellent service! Reviewed on: 22nd December 2016

Fantastic company

Even though I have the highest possible credit rating, I struggled to get a loan for my wedding, Zopa asked me a few questions and gave me the loan at a fantastic rate, I would recommend them to everyone . Reviewed on: 22nd December 2016

What is there not to like?

Everything about my experience is positive, from applying to receiving to following your progress on their website. Within no time at all I was accepted for a loan at the lowest interest rate that could be found across the market. The Money was transferred seamlessly into my account and my onward car purchase went through straight away. It is so easy to navigate their website so that you can keep track of your loan too. What is there not to like? Reviewed on: 22nd December 2016

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