Zopa Reviews 

I’m very happy with my experience. The whole loan process was quick, smooth and hassle-free. Excellent service from start to finish. Highly recommended!

The interest rates are good but the delays getting interest paid are annoying. Interest for previous month only paid 2nd of next month. Their app is not great either

Absolutely brilliant, easy to apply. Great service.

Great if you want to get a quick loan, but the delay in getting confirmation of repayment after repaying in full is absolutely ridiculous if you need quick settlement. For example if you are selling your car it takes up to ten days for the finance to show as settled, during which you may well have lost your sale. Other providers do not operate in the same way. This 10 days to show as settled is simply not commercially viable, Zopa needs to change its policy. For me it has been extremely inconvenient.

Used them for personal loan - paid off early whole process seamless from start to end

Quick efficient service

Zopa has always been the best lender so far in my experience in 12 years.Quick hassle free and always ready when you need it.Top class.

The application was simple and processed quickly. After I made an early payment, a standard payment was automatically deducted and then promptly refunded without any intervention on my part. Many thanks to the Zopa team for the seamless process.
​Thank you, Zopa!

Excellent service

Arranging a loan with zopa was a very simple process and you get a decision in minutes. The app is very easy to navigate and helps you keep track of your loan. I recommend using zopa.

Excellent service and App ,rapid loan in account in seconds and repayment:settlement easy used 3 times

If you want a terrible bank experience, look no further!
So I was paid from Universal Credit (not a drug ring Zopa) and put the money into my bank. Fair enough. I send out what i owed, a cheeky £50 and then take £20 out at the cash machine. Next thing you know, my bank gets restricted and NOBODY can tell me why. I was on the phone to “customer service” (quotations because there’s not much customer service about it) and they had me on a run around through 5 different agents over the course of 6 hours, just to tell me they cannot actually help me. I then get a notification from my account to tell me to provide documentation of me discussing the money i lent with the person i lent it from? Which i can understand for fraud purposes but how do i provide a document that doesn’t exist. We’re not all AI chatbots that don’t physically communicate with one another??? Then rang the emergency line, as they are aware i have bills to pay and food to buy. Their website explicitly says to ring if you are VULNERABLE (which i am) and that they can help with account restrictions. They tell me that they actually can’t do this, so why does your website say that then?? Honestly should be ashamed and I hope everyone avoids this bank at all costs. Not happy with the service i have received at all and leaving someone in a vulnerable position knowing full well i’ve provided what i can is just disgusting. AVOID AVOID AVOID.

I had a great experience with Zopa , I found applying for my loan was very straightforward. The company always kept me up to date with any new or special rates and offers that they were offering

I opened the account just to open a cash ISA and to transfer my matured ISA from another bank.
Download the app, open the account, open the ISA pot and just find out Zopa currently not accepting transfer ISA atm.
It is so stupid and wasting time. It even doesn’t inform or provide this important update at the page of choosing which ISA to open.
Time wasted, nothing done! Disappointed!

They are a company but they are like a family & make you feel like you are one of the family. My wife & I went looking for a loan, we saw Zopa saying we can get a loan & within a few minutes we were granted , we filled in the application form & within a short time we were granted the loan the Service was excellent right down to giving us a payment plan. We have applied again for another loan got approved within minutes & the repayments are excellent.

money paid into account instantly on same day.
Always kept updated on payments.

I found Zopa Bank whilst looking for savings accounts where I could achieve the best interest, as I’m an avid saver.
They have some really great deals on cash ISA accounts which gave me some flexibility in case I needed to draw some back without penalty.
Also I have a fixed term ISA with them at a good rate.
The service I have received from them has been exemplary and the customer service is excellent.
If you are someone who plans their money matters carefully then this is the bank.
The loan services are equally as good.
So far I can’t fault them!

The whole process was very easy with a quick decision and I could not fault their customer service and email communication. I would defiantly recommend this company.

Very simple to take out my loan and a competitive APR. The app made it easy to manage and early repayment was straightforward and beneficial. I would use them again without hesitation.

I recently secured a £5,000 personal loan through Zopa—initially discovered via ClearScore—to consolidate two credit cards and a separate loan into a single, fixed monthly payment. This consolidation has significantly improved my financial situation, increased my disposable income, and simplified my budget. At £209 per month, the repayment is highly affordable. Because I already hold a Zopa credit card, I can manage both accounts effortlessly in one mobile app. Approval took just over 24 hours. A member of the Zopa team then called me to finalize details for security and due diligence. The funds were transferred to my account immediately after the call, accompanied by a prompt confirmation email. Overall, the process was fast, transparent, and transformative for my personal finances.