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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 service

Easy format with competitive rates Reviewed on: 4th January 2018

Easily the best loan I've had!

Much cheaper than my bank coupled with great communication has made this the best loan I've had. Reviewed on: 4th January 2018

Good value loan with no bother

I had a really positive experience with Zopa - got the loan amount I needed at a reasonable rate of interest, good monthly payment amount and no hassle from the company. It also stopped me going overboard and getting a second loan out too close to the first (!) and has since offered good rates for subsequent loans as an existing customer (though I haven't needed to take them up). Good website/user experience too. Reviewed on: 4th January 2018

Excellent friendly service

I have used Zopa twice in the last ten years for loans. The service could not have been more friendly and efficient on both occasions. Reviewed on: 4th January 2018

very easy to deal with over internet, money in bank in no time

within 3 days of dealing with loan, 10k loan in bank Reviewed on: 4th January 2018

Simple prompt and superb rates

Best ever experience in taking a loan I have experienced. Unquestionably would recommend to anyone Reviewed on: 4th January 2018

Zopa have really helped me out

I've had a couple of loans from Zopa now and with each, I've had a great experience. I prefer the principal of p2p loans rather than standard bank loans, and with Zopa, I've felt safe and secure borrowing in this way. Reviewed on: 4th January 2018

Fast, efficient, hassle free and with great rates

Zopa saved my skin when I had a large amount of money to find in a short space of time (had miscalculated a tax bill!) Simple application process, plenty of options and, most importantly, I had the money I needed in my bank quickly - plus, I can pay back flexibly with no penalties. Perfect Reviewed on: 4th January 2018

Excellent in Everything

Easy to set up at an excellent interest rate plus easy to use website and like flexibility of no penalties if wish to pay off early. Reviewed on: 4th January 2018

Great simple loans

Getting a loan from Zopa was quick and easy. The money was in my account within hours and the repayments are so low compared to other companies we looked at. Reviewed on: 4th January 2018

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