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Zopa: Personal loan 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
See only 5 star reviews
95%
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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
Jegathasan G's avatar
Jegathasan G

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
Julie E's avatar
Julie E
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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 experience

5
Excellent service from start to finish Reviewed on: 19th December 2016
Paul 's avatar
Paul

Great service

5
Wanted a hassle free loan, went to my bank who wanted so much information even though they have my account details just to get projection. Basically I had enough saw the Ad regarding Zopa and never looked back will definitely use again and recommend them - Thanks Reviewed on: 19th December 2016
Terry Trevatt's avatar
Terry Trevatt

Great service and affordable repayment options

5
Easy Process and great repayment options Reviewed on: 19th December 2016
Aretas Petronis's avatar
Aretas Petronis

The one!

5
Very easy to apply for a loan, all costs are shown & easily understood. Much cheaper than high street banks. Definitely THE one who everyone else has to beat! Reviewed on: 19th December 2016
Gordon Bradford's avatar
Gordon Bradford

Great rates and terms

5
I took out a loan with Zopa to pay off a bank loan due to the far better rates on offer. The process was quick and easy and the ability to manage overpayments online was impressive. Reviewed on: 19th December 2016
Simon Watchorn's avatar
Simon Watchorn

Clear and straightforward application process

5
We chose zopa because product (a loan) offered us best value and their website was excellent and easy to use. Reviewed on: 19th December 2016
Kate Auer's avatar
Kate Auer

Great

5
Really fast and no hassle and I can do early repayments if I want to. Reviewed on: 19th December 2016
Gul Nahar 's avatar
Gul Nahar

Great service

5
I had an excellent experience with Zopa, I needed some money until I could remortgage so being able to spread the payments out over a time that meant I could afford but also pay off when I needed to was fantastically flexible Reviewed on: 19th December 2016
Lou Goodman's avatar
Lou Goodman

Good service with no trouble

4
Good overall service no trouble and easy to apply Reviewed on: 19th December 2016
Oliver 's avatar
Oliver

Fantastic concept and execution

5
Love the idea of p2p borrowing. Zopa offer a truly transparent view of your loan too through their site, down to the individual lenders who have lent the tiny bits to make up the whole loan. Once mine is paid off I'll be looking to lend with them as their return rates look impressive! Reviewed on: 19th December 2016
Ashley's avatar
Ashley

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