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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69084 reviews)

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4.91

Based on 69,084 reviews, last reviewed 19th May 2026

14% 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

Easy to us app and find information Easy to us app and find information Reviewed on: 19th May 2026

Latest lowest rating:

1

Value for money I got my loan without any difficulty and it was a quick response. Reviewed on: 6th March 2026

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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 (69084)

Quick and efficient loan process

The process was very easy and I have already recommended Zopa to friends. Reviewed on: 4th January 2018

Quick and instant money

I applied and had the money in my bank all in 2 days , very good and reliable Reviewed on: 4th January 2018

Easy to use and fast

When we were looking for a small loan we looked on Zopa and it was so easy and straight forward to use. We did it online and it asked us a couple of questions, typed in the amount and the months to pay back and it was done. We got the loan fast also. Would highly recommend to anyone as also our loan can be re payed early at no extra charge and also make extra payments at no extra charge which is exactly what you we wanted Reviewed on: 4th January 2018

So simple, brilliant

Such a straightforward application process, I couldn’t find a more competitive offer for the loan amount I required and the money was in my bank within days! Reviewed on: 4th January 2018

Straightforward and fair

Having never applied for a loan before, I found comparing offers to be really time-consuming, with lots of small print and actual offers being far from those first stated. Zopa was very straightforward and upfront, with no hidden extra costs and the ability to make extra payments without being charged for the privilege. I’ve already recommended them to friends and family. Reviewed on: 4th January 2018

Happy customer!!

I was introduced to Zopa just at the right time! Great rates and I can pay extra when I can. I’ve recommended to my friends already! Reviewed on: 4th January 2018

Simple & Great Rates

Great service, excellent simple website and very competitive rates. No reason to borrow from any other bank. Reviewed on: 4th January 2018

Zopa makes it easy

I needed some money to pay off my debts and zopa allowed me to very quickly and easily with a reasonable interest rate Reviewed on: 4th January 2018

Fab

Since the start of my loan Zopa have been very good. Any time I've needed to speak to them the customer service is always friendly and able to help me out. P2P lending is a good way of getting a loan that banks might not give due to bad credit history. Reviewed on: 4th January 2018

Lovely money

Give me lovely money and I pay them back a little bit at a time. Simples Reviewed on: 4th January 2018

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