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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

67% decrease in 5 star reviews

in the past 90 days

100% increase 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)

Very easy to apply and quick to pay out. Also very easy to communicate with

I took out a loan and a few months later needed to increase it. In less than five minutes it all sorted. Fantastic people to deal with, human not like the banks. Reviewed on: 19th December 2016

Borrowing for new central heating

My central heating system was very old and broke down so borrowed from Zopa which was simple . Brilliant service with no fuss. Reviewed on: 19th December 2016

Recommended loan provider

Taking out loan was straightforward..easy to see repayments & remaining balance therefore keeping me in control. Reviewed on: 19th December 2016

Excellent Service

Fantastic rates and very easy to use. Reviewed on: 19th December 2016

Friendly and helpful

I felt like I was dealing with real genuine people instead of a big company. I will turn to Zopa in the future, no question about it. Thanks Zopa Reviewed on: 19th December 2016

Good rates and easy to manage

The whole process, from initial application to checking how payback I going, has been effortless. I would happily recommend them to anyone. Reviewed on: 19th December 2016

Incredible lenders, quick and easy, a joy to have dealings with!!!

Great!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Reviewed on: 19th December 2016

Fabulous platform

It was the easiest application I've ever filled out. The money arrived very quickly and the website gives me up to the minute details on my loan. I was so impressed I've become and investor into their loan products and the service is superb. Reviewed on: 19th December 2016

Fantastic service, unbelievable interest rates

Great service, transaction was seamless. Interest rates prove the company thinks about their customers. I'd certainly recommend and Infact already have to people. Well done ZOPA Reviewed on: 19th December 2016

Accepted when others wouldn't, without unrealistic interest

Having been refused a loan by my bank due to my current financial situation, Zopa came to the rescue with a loan that suited my needs, had a sensible interest rate and i received the funds within a few days. This allowed my to vlear a number of debts and have monthly payments lower than previous. The application procedure was also very straight forward but also allowed me to explain my circumstances and forward all relevent information easily and quickly. A 5 star service provided that i would and have recommended to friends and family. Reviewed on: 19th December 2016

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