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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)

You take the embarrassment out of borrowing.

Your quick, simple and easy loan has allowed me time to enjoy my new born baby, money to enjoy Christmas as a family and peace of mind to get a good nights sleep and enjoy the things that matter in life instead of the worry and agony of not having enough money. Reviewed on: 4th January 2018

Excellent Lender

Easy to do business with, fast, convenient and very responsive. Happily recommend or use again myself. Reviewed on: 4th January 2018

Great loan they tell you what you pay upfront

Great loan with great rates they tell you what you will pay upfront with on hidden fees Reviewed on: 4th January 2018

Very easy and well explained.

Getting a loan from Zopa was very fast, and everything was clearly explained. The communication throughout has been excellent and I really like the flexible terms enabling early repayment. Reviewed on: 4th January 2018

Zopa has never let me down

I have twice used Zopa and and always been impressed with the seamless process and the interest rates! Would defo recommend. Reviewed on: 4th January 2018

Quick & Efficient

I have had two loans with Zopa and on both occasions their service was impeccable. They asked any questions they needed answered quickly . Any questions I had were also answered quickly. This made the whole process smooth and quick. Can’t fault anything. Reviewed on: 4th January 2018

Excellent loan provider

I needed a large loan and Zopa approved straight away and the money was in the account very quickly enabling me to get my dream car, I would highly recommend Zopa to all my family and friend's. Reviewed on: 4th January 2018

Very happy

Needed the loan quickly for the purchase of a car, great service and rate. Very happy! Reviewed on: 4th January 2018

Fast, easy and great customer service

When applying for my loan I was greeted with a clear and helpful website, following that the payment calculator is great no hidden costs or fees what you see is what you pay. Once approved the money was in my account within 3 days, payments are never taken early or late always when stated on you agreement. 10/10 will definatley recommend and possibly reuse if needed Reviewed on: 4th January 2018

Very quick and easy to use

I needed a loan to help me consolidate my credit card debts into 1. Zopla sorted this out for me in under 30 minutes (and that's due to my slow typing), where other financial institutions would not despite my good credit rating. I received an APR equivalent to that of the high street banks and I will honestly now never use another financial services company should I ever require a loan again. Excellent, easy and efficient. Exactly what should be possible now in the digital age. It won't be long till the Kodak moment happens to other institutions that can't get this right. Well done Zopa - you have a happy customer and I have already referred friends, colleagues and family. Reviewed on: 4th January 2018

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