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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)

Awesome service!

Quick and responsible service. Worth recommending. Best loan company ever! Reviewed on: 4th January 2018

Simple & straightforward

I'm a big fan of zopa. They're simple to use, transparent and straightforward. The ability to easily overpay is brilliant. Reviewed on: 4th January 2018

Best out there

I was looking for a loan to buy my first car. I have a "fair" credit rating and most of the loans that I saw was giving me an APR of 15% - 30%. I was about to loan in the bank that was offering me a 15% apr until I heard about Zopa. It was quick and easy and I was given a qoute in minutes. I was given a 9% apr, the best one I saw at the time. Everything was just smooth and easy, from registration, to the setting up of my account online. I rarely give 5 stars but these guys deserve it. Reviewed on: 4th January 2018

No nonsense, very quick access to loan funds. I have used Zopa twice now.

Used Zopa twice over last 3 years and on each occasion I have nothing negative to say about my own experience. Just about as easy as it could have been to access needed loan funds for my car purchase in both cases. The rate I had in both cases was pretty much the best I could find too, a bonus. Reviewed on: 4th January 2018

A top class company

Easy to apply, quick decision, very professional and great customer service. Reviewed on: 4th January 2018

Smart, simple and satisfied!

I’ve taken numerous loans out with Zopa not only due to the low rates and easy application process but the system Zopa uses for payment, consolidation and communication is the best (made easy) solution on the market. Happy customer. Reviewed on: 4th January 2018

Easy and affordable

Was easy to apply and you can see exactly what you're paying back and no early repayment charge. Reviewed on: 4th January 2018

Have recommended to many friends

Fantastic experience with this company, 3rd loan taken. Very bappy with customer service, payment rates and especially no fees for early repayment. Well deserved praise! Reviewed on: 4th January 2018

A difficult situation made easy

It is never an easy decision to consolidate debts but having made that decision Zopa made it fairly painless. The decision was immediate and the terms set out clearly. It gives you the freedom to pay back early and managing the account could not be easier. Reviewed on: 4th January 2018

Straight foward and quick

Easy application. Great rates. Would highly recommend to anyone needing a loan. Reviewed on: 4th January 2018

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