zopa.com

4.6
4.6 Based on 798 reviews

We’re Zopa, and we want to make money work better for you. With 16 years of tech know-how, customer understanding and money expertise, we've helped hundreds of thousands of people take the stress out of money. We’ve always been unapologetically honest wit...

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Average Rating

4.6

/
5

798 Reviews

5 Star
85%
4 Star
4%
3 Star
1%
2 Star
2%
1 Star
9%

Filtered Reviews

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Review Time

Robert Limming
This is the second time I have contacted Zopa on line regarding a loan. On each occasion it has been

This is the second time I have contacted Zopa on line regarding a loan. On each occasion it has been a very straight forward application procedure followed
by a very pleasant member of the team contacting me by phone to check some details. First rate service!

5
Date of experience: Feb 20, 2026
Cynthia Day
Although I was not successful this time , I did find the the staff I communicated with to be very he

Although I was not successful this time , I did find the the staff I communicated with to be very helpful, clear & knowledgeable, in their dealing with my request.

5
Date of experience: Feb 09, 2026
Pete Entwistle
I was sent a message to decline or accept a transaction, two of them so as i was busy I had never re

I was sent a message to decline or accept a transaction, two of them so as i was busy I had never responded, luckily it was declined for me, anyway having been scammed before from another credit card I rang zopa and got through to what should have been the fraud team, I eventually spoke to someone who was not in the least bit interested telling me that I will get a call from the suspicious charge team in 24 hours, what an absolutely shocking way to behave towards fraudulent transactions,I am furious imagine how much money they can take off my card in that time, they are unprofessional and don't give a damn about customers I hope people read this and will learn about the total disregard towards people and their credit card card

1
Date of experience: Feb 09, 2026
Tony Mason
Currently the best, easy access interest rate available. It's easy to move money between current and

Currently the best, easy access interest rate available. It's easy to move money between current and savings account. Interest is shown changing daily. Easy to deposit and withdraw money within the app. In short it's very easy to use.

5
Date of experience: Feb 09, 2026
Becky Ward
Great app, easy to use. Loan rates are decent and no ercs to overpay. Would like to be able to reduc

Great app, easy to use. Loan rates are decent and no ercs to overpay. Would like to be able to reduce loan term with overpayments rather than monthly amount but otherwise great. Have other products which are also great.

5
Date of experience: Feb 08, 2026
Gemma Taylor
A Seamless Experience from Start to Finish

My experience was very positive from the initial application to the phone conversation and the final confirmation email. The process was clear and easy to navigate, which was particularly comforting since this was my first loan. Additionally, the interest rate offered was quite competitive.

5
Date of experience: Jan 18, 2026
Lenny Morgan
A straightforward lender for your vehicle needs

This is a straightforward lender that helps you acquire the cars or bikes you desire—provided you meet the criteria. The process is simple and stress-free. I've used their services twice for financing that fits my budget. While I can't comment on experiences with less reliable lenders, I appreciate the direct feedback as I make payments, which reflects in my credit score each month (if that's important to you). I hold this company in high regard and would rate them highly.

5
Date of experience: Jan 15, 2026
Mocke
I hold multiple loans with this service for various purposes.

I hold multiple loans with this service for various purposes. They are professional, respectful, and reasonable. It's a delight to work with them. Additionally, their app is fantastic.

5
Date of experience: Jan 13, 2026
Patience Taylor
Quick loan approval for consolidation

I received an instant decision on a consolidation loan. The interest rate was favorable, and the repayment plan allows me to save significantly each month. I also appreciated the timely updates on my application status. Highly recommend!

5
Date of experience: Jan 10, 2026
Quincy Taylor
Account setup is simple, the app is excellent, and interest rates are top-notch

Setting up an account is straightforward, the application works wonderfully, and the current interest rates are among the best. I'm enjoying 4.45% on my easy access account and 7.5% on a regular savings option. (Note: I can't guarantee these rates are still applicable).

5
Date of experience: Jan 09, 2026

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Business Details

  • We’re Zopa, and we want to make money work better for you. With 16 years of tech know-how, customer understanding and money expertise, we've helped hundreds of thousands of people take the stress out of money. We’ve always been unapologetically honest with our customers, and value the same in return. Their feedback helps us shape what we build, so we can provide a bank fit for today, and for the future.

    Need some help with one of your products or would like to get hold of our team? Head to https://www.zopa.com/help to find everything you need.See more

  • language https://www.zopa.com

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