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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)

Highly recommend

It was very easy and quick to apply, great interest rate and good service. Reviewed on: 4th January 2018

Clear and straightforward

Zopa were able to provide by far the best rate and stuck to the rate I was offered when applying, which was not the case with two other lenders. Application was simple and the ongoing web interface to review the account is also very smart and easy to use. Reviewed on: 4th January 2018

Zopa comes highly recommended!

My local bank wanted to lend me money for a car at a ridiculous rate! Zopa offered me a loan at 3% !!! The application was straightforward, and i got an instant offer, which was approved once i sent them my financial proof. I had the money in my account within a day or so, so we could buy the car we wanted! I am very happy with their service! Reviewed on: 4th January 2018

Excellent service

Very clear terms with an easy to use portal. Reviewed on: 4th January 2018

Quick, clear communication and excellent interest rates

A painless process! I found the whole experience of working with this loan application concise and straightforward! Reviewed on: 4th January 2018

Fantastic customer service

The customer service from zopa has always been brilliant everytime I’ve had to contact them either by email or phone. Reviewed on: 4th January 2018

Highly Recomended

I would highly recomend zopa as they are very easy to deal with. And they never pester you. Reviewed on: 4th January 2018

Great Service

Great Service, lovely staff, smooth process. Say no more... Reviewed on: 4th January 2018

Very happy customer

Effortless to deal with and very quick response Reviewed on: 4th January 2018

Best rate and very easy

Needed an unsecured loan to buy a car. Where high street banks proposed 9 or 11% with no guarantee on the rate and red tape, Zopa proposed a guaranteed rate of 3%, a quick and easy to follow online journey, and the money was on my account the next day. Could not be simplier and quicker. I actually got my money from Zopa before I received paper forms by post from high street banks ! Reviewed on: 4th January 2018

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