Write a review

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65247 reviews)

View other Zopa products

4.94

Based on 65,247 reviews, last reviewed 13th Jun 2025

44% decrease in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Honest company, rare! The loan details are clear and precise the interest rate was excellent. Changing payment dates has been simple without any forfeit. Just appear to be ... Read more Reviewed on: 13th June 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

Read all reviews Write a review

About this product

Review Zopa: Personal loan now

Help others make smarter decisions by sharing your own experience.

Write a review

Zopa Personal loan reviews (65247)

Fast response no nonsense loan

From application to money in the bank zopa was fantastic. Would recommend to anyone wanting a low interest easy application loan with simple and transparent payment figures Reviewed on: 19th December 2016

Fast, efficient and low rates.

Easy to apply, excellent website, money transferred quickly. Reviewed on: 19th December 2016

Fantastic service

I have used Zopa twice for personal loans. On both occasions, the process was easy and quick. I felt I was getting a good deal from them and the simplicity of the process was very appealing. I like the concept of peer to peer lending and the fact that you can see who your lenders are and how much they have lent you. Paying back the loan is also easy and the fact that you can pay back the whole loan or lump sums without penalties is excellent, along with the fact that it leaves no credit footprint. I would be very unlikely to borrow from anyone else in the future. Reviewed on: 19th December 2016

Quick and efficient

I've got higher APR than other bank offered but decided to go with Zoopa as it was very quick and didn't need to sign anything. Definitely will be taken out another loan if needed, hopefully they'll be able to offer lover price in the future. Reviewed on: 19th December 2016

Excellent, easy and efficient

Applied online, very straightforward, got the answer pretty much immediately and in no time the money was in my account. Faultless Reviewed on: 19th December 2016

Super quick and easy at best rates around.

Super quick and easy at best rates around. Reviewed on: 19th December 2016

Excellent company

Best company based on interest, very simple application and funds are with you within 24hrs. Staff are lovely and very helpful when I called up wanting to change my payment date. Would highly recommended!! Reviewed on: 19th December 2016

Fabulous fast service

The Zopa website is easy to use and you get a decision very quickly. Topping up the loan was simple too! Definitely would recommend. Reviewed on: 19th December 2016

Fast, easy and friendly

I needed a small loan to by a car. The rates offered by Zopa were competitive and the whole online process was very simple and painless. It was what an online service should be, easy, efficient and customer friendly. Thanks Reviewed on: 19th December 2016

Fast easy service. Brilliant

Very easy service no hassle. Made the process very good. One happy customer. Reviewed on: 19th December 2016

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Short Term Loan
from Wonga 2.56 from 84 reviews
Loans
from Voyager Alliance Credit Union 4.89 from 368 reviews
Loan
from Tesco Bank 3.00 from 78 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.94 from 1261 reviews
Smart Saver
from Zopa 4.94 from 7180 reviews
Fixed term savings account
from Zopa 4.93 from 1784 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub