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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)

Excellent value, exceptional service

Thank you for your kind assistance Reviewed on: 4th January 2018

Easy

Very easy to apply, great rates, and brilliant idea. Reviewed on: 4th January 2018

Fantastic, quick and easy

This is the 2nd loan I have taken from Zopa. Whilst the rate wasn’t the cheapest, because of the ease of application and very quick turn around I wouldn’t go past Zopa. Great service and new car bought within a couple of days. Happy customer and would recommend highly Reviewed on: 4th January 2018

Fantastic Loan service

Great service, quickly approved and in my account the same day. Low interest rates just to top it off. Reviewed on: 4th January 2018

Good value loans

Straightforward process and quick decision Reviewed on: 4th January 2018

Easy to setup. Fairly fast decisions and payment.

First time taking out such a loan and have to say it was pretty easy to do via their website. No problems setting amounts, uploading documentation, etc., and reasonable amount of flexibility in their customisation of payment times, length of loan, etc. Also fairly honest in terms of the rate they advertise being available to you when you apply - other banks advertise low and then up the rate even if you have decent credit rating but it's under their required threshold of 'amazing'. Would recommend to look into if you need a loan. Reviewed on: 4th January 2018

Brilliant service would use again.

Customer service has been impeccable-very satisfied indeed. Low interest rates compared to my bank and other banks. I would recommend my friends and family to use Zopa - forget the rest and select the best ! Reviewed on: 4th January 2018

Second time round - second time amazing

I have used Zopa for personal loans now on two separate occassions one for debt consolidation and one for a car. Each time they are simple and easy to use, they clearly demonstrate your repayment options over differing time scales, give you clearly the amount of interest you will have to play and you can chop and change the figures to suit quickly and easily before setting and applying for exactly what you need. Their pre-approval process lets you know if you will be accepted before you apply so there are no embarrassing knock backs and no credit stamps on your file. The fact you can manage your account easily and quickly online 24hrs a day means you have total piece of mind just when you need it. I can’t recommend these enough and their incredible interest rates means they beat the banks nearly every time! Good Luck Zopa you have my vote and you deserve to be recognised for your great work! Mike Reviewed on: 4th January 2018

Excellent service

Easy to access -no jargon and user friendly website. Quick response and competitive rates. Very helpful staff. Would definitely recommend Reviewed on: 4th January 2018

Simple, straightforward loans

Easy application process. Great website for managing your money. Friendly customer service. Been a customer for years, never going to get a loan from the bank ever again Reviewed on: 4th January 2018

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