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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)

No hassle loan

Went on to the site filled in details and loan was accepted and put into my account two days later, easiest loan I have ever arranged. The website is easy to navigate and straightforward instructions on how to maintain your payments would highly recommend Reviewed on: 19th December 2016

Quick, simple and Effective .

Very good and friendly service . Reviewed on: 19th December 2016

Grow your money

I love lending my money through zopa. It has good interest rates and is easy to dip get some off your money out very quickly peer to peer lending is far better than having your money in the bank earning very little interest Reviewed on: 19th December 2016

Fast,Efficient and Friendly

It does exactly what it says on the tin. Good Customer Experience Reviewed on: 19th December 2016

Quick helpful and fair

Great experience with zopa. Easy to understand rates over a time I chose. I love to have the ability to see my loan online any time of day or night and make overpayment. Reviewed on: 19th December 2016

Easy to used

Check if u can lend the money and easy to apply Reviewed on: 19th December 2016

Excellent service all round.

Just handled well from start to Finnish Reviewed on: 19th December 2016

Simply THE BEST!

The best rate for me. The best customer service. No small print to worry about. Excellent! Reviewed on: 19th December 2016

Really easy and quick

No hassle and they treat you like a person not a number. Reviewed on: 19th December 2016

3rd time borrower...can't be bad

Zopa make borrowing and repaying very easy. In fact, over the last 10 or so years I have borrowed money from a few different providers and none have given me the ease of owning a loan than Zopa. I can pay back all owed should I choose with an instant settlement offer online, I can make extra payments with a instant description of the impact of the payment such as a reduction in monthly payment. Even when applying they tell you what rate they can offer before you agree you actually want the loan based on credit score (initial soft search required). All in all when/if accepted Zopa have given me the most manageable credit I have ever had and cannot recommend highly enough. Reviewed on: 19th December 2016

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