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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)

Fantastic lender

Great rates and easy to take out a loan! Brilliant customer service! Reviewed on: 19th December 2016

Happy with service revived

I found the hole prosess pain free, very competitive, with ease of topping up existing loan and ability to paying off early if you wish. Very happy with the service I revived. Reviewed on: 19th December 2016

Easy and clear

Applied to zopa the next day money was in the bank and it was easy to set up direct debit Reviewed on: 19th December 2016

Making it easy

Zopa provides a really innovative way to arrange a personal loan that rewards those with some capital to invest, and those of us who need a loan good terms to repay it. I'm very impressed with Zopa and how easy it was to arrange and keep up with the payment plan. For me, it represents responsible lending to responsible borrowers. Reviewed on: 19th December 2016

Excellent

easy to use, no nonsense, I would recommend to anyone Reviewed on: 19th December 2016

Easy And Fair

Taking out my loan for a new car was simple and easy. And most of all the interest rate was fair for the amount and better than my bank, so all in all quite happy. Reviewed on: 19th December 2016

Would recommend

Very easy to use website, great for if you want to top up your loan, Zopa gives you personalised interest rates depending on your credit rating, money in the bank within a few days, borrowing money made simple! I would definitely recommend. Reviewed on: 19th December 2016

Borrowing made simple.

Applied online, took just a few minutes. Instant decision, Zopa had the best rates for what I wanted. Money in my account quickly, job done. Website has all my account history, and a final settlement, all there on the web page. It's all very simple. Reviewed on: 19th December 2016

Great loan solution

Easy to get, low rates and excellent customer service! Reviewed on: 19th December 2016

Easy and quick

Had my loan approved quickly and money transferred. I paid off in full after 2 months and no hidden penalties for doing so! Excellent Reviewed on: 19th December 2016

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