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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

99% decrease in 5 star reviews

in the past 90 days

No new 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.

Zopa Personal loan reviews (65249)

Review of the Zopa, Personal loan:

Easy to use

Easy to use friendly service good value Reviewed on: 22nd January 2024

Good happy with the seevice

Good I am happy with service I would recommended Reviewed on: 16th October 2025

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 says no. In the end they promised not to send post to my old UK address and make a note of my new address on my account for security purposes but I always had to give my old address to get past security. Tried to change my direct debit to my Revolut which is obviously registered at my new address - computer says no. Useless. No solutions given. Just no, can't do it. Make it so hard to access my account and pay off my loan, which makes no sense. Doesn't feel like a very professional or modern company. Would not recommend. EDIT: after my initial review they contacted me to sort out the direct debit. I even got an email saying it had been setup with the correct details. Now I'm getting emails saying I've missed payments and no money has been taken. This company is a joke. Reviewed on: 5th September 2025

Quick and easy to apply with good app.

Quick and easy to apply with good app. Showed me my chances of been accepted and payment into my bank was quick and simple. Can manage payments in the app and pay off early. The rate was competitive. Reviewed on: 5th September 2025

Good card more helpful and good customer service

Good card more helpful and good customer service Reviewed on: 25th July 2025

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 an honest company that’s not out to fleece people, which is rare in this day and age. Reviewed on: 13th June 2025

Zopa has been delivering excellent customer service...

Zopa has been delivering excellent customer service most esp with their loans, very generous. Reviewed on: 12th June 2025

A mostly painless experience.

A mostly painless experience. I was called directly to clarify some points and once these were ironed out the application went through smoothly and without any further fuss. Overall I'm very happy with all the services I take from Zopa. Reviewed on: 12th June 2025

Simple process and nothing was too much trouble

Simple process and nothing was too much trouble Reviewed on: 12th June 2025

Very simple to use, easy to put on extra payments gr...

Very simple to use, easy to put on extra payments great service Reviewed on: 12th June 2025

Had a loan.

Had a loan. Good rate and great app Reviewed on: 12th May 2025

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