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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, easy, always good rates

I've used Zopa twice now and both times the experience has been so quick and easy, they've always offered the best rates and anytime I needed to change anything there was never any hidden costs and it was done with ease. Highly recommend Zopa for any of your future loans. Reviewed on: 4th January 2018

First Choice

The idea of not borrowing from the Big Boys has always appealed to me and Zopa provide me with an fatastic alternative. I never seem to need enough to get the best rates from the high street and again Zopa help me here. Decisions are quick and funds available the next day. Reviewed on: 4th January 2018

Like having a rich uncle

Very easy to access...helpful and straightforward application and website. Very affordable repayments with good rates of interest. I would thoroughly recommend Zopa Reviewed on: 4th January 2018

Helpful, quick decision, very 'open' and fair rates of interest.

I have approached Zopa twice for a loan. Both times for matters regarding house improvements. Each time I have had an almost instant decision, especially fast the second time when I wanted to top up my first loan. The interest rates have been extremely competitive each time and I just can't really think of a single thing I could fault Zopa on. They are a shining light in what can appear to be an intimidating and sometimes shady industry. You get what you see................... thankyou Zopa ! Reviewed on: 4th January 2018

Reccomendation

Easy to apply & monies in account within couple of days. Reviewed on: 4th January 2018

Efficent

Very quick and easy process. Loan came in very quickly Reviewed on: 4th January 2018

Smart and Safe

A simple process Very good rates No penalty payback Easy dashboard Reviewed on: 4th January 2018

It simply works well

The concept was a new one to me so I was a little uncertain to begin with, but I have found Zopa to be simple, straightforward to use and very transparent. I am now on my third Zopa loan. I also particularly like the fact that I am not bombarded with lots of emails pushing me to take on more debt. It feels very different from interactions with banks or other loan providers, and I actually like the idea that I get a good deal while helping others make the best of their savings. Reviewed on: 4th January 2018

You only need Zopa

No mess, No fuss, a fast and efficient service. Clear and concise, there really is no other choice. Reviewed on: 4th January 2018

Excellent loan for a car

Very straightforward and easy to apply. Online account gives full details of loan including where the money comes from. Got a great rate, much better than any other lender. Reviewed on: 4th January 2018

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