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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 easy!

This is the quickest and most efficient banking/loan company I've ever dealt with! great online services with regular updates and proactive communication. Would recommend to anyone! Reviewed on: 4th January 2018

Extremely flexible & easily accessible

Zopa is a very effective & flexible way to borrow money. I regularly make overpayments when I can & this is quickly reflected in a reduction in my monthly payments. It is easy to access your account online & monitor your balance. I love that they do not penalise efforts to reduce your balance or repay early. Reviewed on: 4th January 2018

Very helpful customer service and the best interested rate.

Easy and affordable repayments. I always recommended Zopa and would feel very happy with using Zopa again. Reviewed on: 4th January 2018

Concise

Never had any issues from sign up to acceptance of loan. Communication was quick and easy to understand. Would recommend. Reviewed on: 4th January 2018

Fast, Easy, Stress Free

I needed to consolidate a number of small credit card debts into one lump. Zola was easy to arrange and was very reasonable with the lending rate. Most important was the fact that they made it very easy to understand what I was applying for and what the costs would be. The money arrived quickly and the repayment schedule easily set up. Reviewed on: 4th January 2018

Trust

Reassuringly trustworthy company with excellent customer care - perfect combination. Reviewed on: 4th January 2018

Very easy, quick and cheap loan provider

Very easy, quick and cheap loan provider Reviewed on: 4th January 2018

Fantastic

Easy and friendly communications, easy to use website, clear and concise information every time. Reviewed on: 4th January 2018

Zopa are ethical lenders

They lend money that they actually have rather than inventing it. The money you borrow is from other investors. They help society rather than believe that they own it. It is the both the past and future of banking. Reviewed on: 4th January 2018

Straight forward easy quick friendly

I wanted to help my son with his finances. Zopa was the first loan we looked at. It was a great interest rate. The forms were easy to understand and fill in, it was all online and we got an answer very quickly. There was no point looking elsewhere we were happy to go with the one from Zopa Reviewed on: 4th January 2018

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