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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)

Great Service!

Quick, efficient service and great communication.... wouldn’t hesitate to recommend and use again in the future. Reviewed on: 3rd January 2018

Zopa

Zopa were friendly and helpful as well as efficient Reviewed on: 3rd January 2018

Quick low rate loan

Applied for my zopa loan, very quick decision and received the lowest rate compared with all the other lenders. Very happy and will use zopa again next time i need a loan. Thank you. Reviewed on: 3rd January 2018

User friendly

Simple..easy process ..with good value rates Reviewed on: 3rd January 2018

Great service

Took a loan with ZOPA it was by far the easiest process of any loan I have had all online and easy to see how your payments are doing. Reviewed on: 3rd January 2018

Very good loan company

The process was quite straight forward and the rate is very competitive. Reviewed on: 3rd January 2018

Easy to manage and keep track

ZOPA were one of the few companies that offered me a reasonable loan with the option to pay back in full anytime or more each month if i wanted to and also manage my account online. I'm extremely happy with how easy it is to use the online account and track how much has been paid and remains. My loan has helped me consolidate my debts and get financially stable which i'm very happy about. I only have a few months remaining, but i would definitely use ZOPA again if i needed to. Reviewed on: 3rd January 2018

Excellent and friendly

Always friendly and helpful with quick and superb customer service Reviewed on: 3rd January 2018

No messing around, immediate decision, professional and friendly.

Loan companies usually come with a lot of stereotyped underworld stigma attached. But from the minute I contacted Zopa they were the complete opposite: they were friendly, helpful and completely transparent. I was very hesitant about contacting a loan company because of all the questions I thought I would be asked about why I needed the loan - I just needed the money, I wasn't buying a caravan or anything obvious like that so I thought this would be a problem. I expected questions about what other loans had I had in the past, what was my financial status etc. However Zopa were completely professional by which I mean they didn't pry into my personal affairs or reasons for needing the money. That was a relief in itself. I just wanted to be told "Yes we'll lend you the money, or No, we won't". And that's exactly what I got. I was delighted of course that it was a 'Yes' and £20,000 was transferred to my bank within hours. I actually couldn't believe it had been that easy, and for that amount of money. Trying to borrow that amount from Barclays (who I've banked with for over 30 years) had proved impossible. Since I've had the loan (nearly 2 years) I had one month where it was going to be difficult to make the monthly payment. I rang Zopa and explained I was short that month and they were unbelievably helpful and reassuring. I was told not to worry at all and just to make whatever payment I could as soon as I was realistically able but was clearly told not to put my personal situation at risk for the sake of a monthly payment. There was absolutely no pressure, no threats, no massive penalty or high interest charge. They made me feel so relaxed about the situation that my whole outlook changed and I was able to get the money together the following month and within 2 months I had caught up the payments. I would have no hesitation in recommending them. Compared to the horror stories you hear about payday loans and other unscrupulous loan companies Zopa are an absolute pleasure to deal with. They sound completely professional on the phone too so you know you are dealing with reasonable people. Reviewed on: 3rd January 2018

Totally easy and reliable

From the initial browse on the website to getting the loan, making address changes, bank account changes etc they couldn’t be more user friendly and easy to deal with Reviewed on: 3rd January 2018

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