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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69082 reviews)

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4.95

Based on 69,082 reviews, last reviewed 1st 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

It was so easy and straight forward to apply with ve... It was so easy and straight forward to apply with very fast decision turn around pay out once successful. Very competitive repay rates always a no br... Read more Reviewed on: 1st 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 (69082)

All goes smoothly

Excellent service from beginning the the end Reviewed on: 28th February 2025

My first loan changed my life

After my first loan got me on the road to clearing my debt I have definitely made better choices. Zopa not only are informative but base their loans and Apr on you as a person. I have an excellent credit relationship with them and won’t be going anywhere else for financial help in the future. I am now debt free and have taken a new loan to better my life and moved into my first home thanks to being given a chance. Try Zopa first, you might be pleasantly surprised. Reviewed on: 28th February 2025

Quick response

Very easy to apply for loan and quick response Reviewed on: 28th February 2025

Easy to apply.

Easy to apply. Good communication. Excellent team Reviewed on: 28th February 2025

Nothing to complain about- everything is streamlined...

Nothing to complain about- everything is streamlined and works so well. Reviewed on: 28th February 2025

Low rates and easy application.

Low rates and easy application. Process was very quick and easy to understand. Easy illustration of all payment terms and options using simple slide bars. Once accepted, the funds were transferred to my nominated account within minutes. Reviewed on: 28th February 2025

Amazing, cares for and understands it's customers needs

Zopa has been the best supplier for personal loans and credit cards. They are very affordable, and very easy to contact for any information you require regarding your loan and/or your credit card. The online app is easy to use and gives you piece of mind as it gives you easy accessibility to you loan. You can make extra payments if needed at no extra cost. Zopa is a company that's has it's customers interest as a first priority, amazing company. Reviewed on: 28th February 2025

Fairness and consideration.

Dealing with Zopa on a few occasions has always been straightforward, friendly and professional.They certainly have more time and patience.Also are more open in their attitude especially if your credit rating is not the best .Their rates are based on affordability for all concerned rather than being blinkered like a lot of lenders. Reviewed on: 28th February 2025

Zopa were easy to find online , easy to communicate...

Zopa were easy to find online , easy to communicate with and extremely Fast in processing funds and I have a fantastic rate for the loan too Reviewed on: 28th February 2025

Brilliant app- very good contact from the bank at al...

Brilliant app- very good contact from the bank at all times - very flexible Reviewed on: 28th February 2025

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