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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 concept and execution

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

So quick and easy

I came across zopa whilst searching for a loan via credit expert I applied and I was amazed how fast it was accepted and deposited into my bank I will certainly use zopa again without hesitation Reviewed on: 19th December 2016

Great interest rates, very simple process and fast payment.

Great interest rates, very simple process and fast payment. No issues at all so would highly recommend. Reviewed on: 19th December 2016

The Best

This is the best bank in the uk. I recommend to everyone. it is worth to take out a loan. Reviewed on: 19th December 2016

Fantastic finance

The loan application was easy to understand and simple to complete. Everything is is simple language without any financial jargon. It's so easy to find out how much I owe and to pay extra. Feels like being part of a community. Reviewed on: 19th December 2016

Just brilliant

I found zopa loans brilliant to deal with and an absolutely effortless process. First class service Reviewed on: 19th December 2016

First loan

Really good for people who want to get thee first loan Reviewed on: 19th December 2016

Zopa is wonderful

Applied for a Zopa loan for a car. Was hesitant because I am quite young, but they accepted me and were very helpful with the whole process. Would highly recommend! Reviewed on: 19th December 2016

Perfect deal

I was shocked and happy to see how clear cut and transparent Zopa were with the money you were borrowing. Great interest rate, clearly displayed fees and such a fast response on application. I had never heard of Zopa before taking the loan out and I can tell you now, if I need one in the future Zopa is the only place I'll go! Reviewed on: 19th December 2016

v quick and easy process! received money within a couple of days

v quick and helpful customer service when there was an IT issue with my application. the start to finish application was easy and quick to use, very pleased with the service. interest rates are very competitive and I like the ability to repay early without any penalties Reviewed on: 19th December 2016

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