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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)

fast - hassle free & great rates

fast decision - great interest rates & hassle free Reviewed on: 19th December 2016

Very satisfied

Very quick and easy application process followed by a very quick response Reviewed on: 19th December 2016

simple fast application and quick decision

My experience with this company has been great. I would definately recommend them. They offered a very competitive interest rate and the application process was simplicity itself. Reviewed on: 19th December 2016

Easy and hassle free

Zopa is just so easy to use. I transferred over to them and got a better rate easily! Highly recommend. Reviewed on: 19th December 2016

excellent lender with fantastic customer service

I applied for a car loan with zopa online and was exepted quickly and efficiently . I was drawn to zopa primarily for the fantastic interest rates which were the best on the market and i have to say the after care has been superb also . I would highly recommend zopa to anyone looking for a low interest loan . Reviewed on: 19th December 2016

miracle service

all I can say is that after trying all the avenues,1st with my bank of 25 years I was not able to obtain A £15,000 loan despite throughout this 25 years have taken out loans in excess 0f £70.000 and paid them all back despite difficult times, and because for whatever reason I did not fit there criteria even after a proven track record and yes there were defaults along with the imposed fines which were all paid , then after trying all I new I came across Zopa which seemed to good to be true , so I thought I would give them a try as they emphasised that trying would not affect my credit history where as every other one I tried, and if I did not succeed would affect my credit history so it was a lose lose all the way with the others, I filled the short online form and to my disbelief the money was in the account the next day as they promised and in time for which I needed it for, cannot thank them enough, 5 stars all the way AJA Reviewed on: 19th December 2016

The easy way to borrow

Taking out a loan could not be simpler. Find the amount/term you require on Zopa's easy to use website. Complete a quick form and submit. A decision is made very quickly and if approved the money is in your account within a day or so. Definite the easy way to borrow. Reviewed on: 19th December 2016

Great rates , straightforward lending

I have used Zopa several times now and keep coming back because their rates are the most competitive, borrowing is easy , quick and I know there are no early settlement fees . Good customer service and easy to use website. Reviewed on: 19th December 2016

Quick honest response

Quick review, honest answer to a quick desision Reviewed on: 19th December 2016

A Class Service

I was kept well informed all the way, so knew exactly how long the process took, and when I could expect to receive my money. Reviewed on: 19th December 2016

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