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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69083 reviews)

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4.95

Based on 69,083 reviews, last reviewed 15th 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:

4

Zopa personal loan Site easy to navigate. Response time very quick. Reviewed on: 15th 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 (69083)

Quick, Simple. Effective

Produced a quick solution to my financial issue. I would recommend to all. Rates are more than favourable and the process so simple. Reviewed on: 3rd January 2018

Unclear criteria made me question Zopa

I'm on very decent income with just one small loan and no credit card use plus excellent credit score. Zopa kept rejecting me despite I have perfect record, keeps telling me to try again in 6 months (that happened for the second time recently and I have to explanation given as to why this is happening). I'm not coming back for a loan to Zopa, which is a shame because the p2p lending and excellent rates that compete with the big banks are great reasons to support Zopa's initiative. Reviewed on: 3rd January 2018

Quick, easy, great value

Customer for 18 months now and experience so far has been excellent. The application process was quick and easy and well explained. They keep you well informed and send out easy to understand communications to keep you informed. Reviewed on: 3rd January 2018

Quick lending at low rates

Zopa promptly and positively reviewed my application, and funds were available shortly after. Very good service. Reviewed on: 3rd January 2018

Great loan company

Fantastic rates, easy to set up direct debit for repayment, flexible with d/d date. Reviewed on: 3rd January 2018

Simple, easy and fair

Zopa offer great rates with zero fuss. I've used them on and off for a few years and will always recommend them. Reviewed on: 3rd January 2018

Great service!

Really straightforward, quick and easy to use. Would definitely recommend. Reviewed on: 3rd January 2018

Best lender ever. Period.

Zopa has got everything right as far as I can see. A different lending model to the big banks, an opportunity for small lenders to 'crowdfund' loans, and an online application process that's quick, easy, and works. Reviewed on: 3rd January 2018

Transparent and efficient

The Zopa process is great from start to finish, everything you need is visible at every step of the application. Once you have the loan making extra payments is far easier than any other loan I have ever had which is greatly beneficial in the long run. Reviewed on: 3rd January 2018

Simple & Straightforward.

Very quick & efficient service. Reviewed on: 3rd January 2018

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