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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

100% 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 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)

Great and efficient service

Quick to transfer money and very easy to use online Reviewed on: 22nd December 2016

Easy and cheap, just like me...

When I heard about Zopa many years ago, I thought it'd be too good to be true. Peer-to-peer lending sounded too good to be true. I assumed it'd be difficult to organise, or get money. I assumed it'd be risky, the interest rates works get hiked up or they'd disappear. I thought they'd get swallowed up by some big bank. None of my worries were founded. It's simple; relatively low cost and they show no sign of going anywhere. Next step... Become a Zopa lender! Reviewed on: 22nd December 2016

Great rates, user friendly

User friendly website, clear application process, excellent rates - all these things combined make for a very happy customer. Reviewed on: 22nd December 2016

Great rate, great service and decent features

Applied for a loan at at very competitive rate, got the money quickly and can even make overpayments. Very happy with the whole service provided Reviewed on: 22nd December 2016

User friendly super Zopa

Online application answered in seconds. Good interest rates and totally hassle free. Reviewed on: 22nd December 2016

Responsible and perfectly simple

The process was simple and easy to understand. Not to mention the great rates Reviewed on: 22nd December 2016

Great Experience

Taking out my loan with Zopa was a very uncomplicated experience. The staff were more than helpful with any queries and the loan was in my account very quickly. Highly recommended. Reviewed on: 22nd December 2016

Great All Round Service

Amazing, quick and easy process. Thoroughly recommend Zopa to anyone thinking about a loan Reviewed on: 22nd December 2016

Would consider first every time !

Zopa is well worth considering before any high street lender. Simple, quick, easy to understand, straight forward lender with no hidden extras or fees. Would turn to again and again. Reviewed on: 22nd December 2016

Zopa great rates, integrity and customer care.

Very easy to set up a loan, track your payments and see where your loan comes from. I love the fact that anybody can loan and save money at good rates and continuing flexibility about payments and overpayments. Reviewed on: 21st December 2016

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