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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)

Simple, no fuss loan

Applied for a loan, the application was simple and straightforward and an answer was given in just a couple of days. The loan was then put into my account with an easy repayment schedule to suit everyones circumstances. Would reccomend. Reviewed on: 29th June 2017

First class service

Very quick, very professional service. I have never had a single issue since becoming a customer 4 years ago. Reviewed on: 29th June 2017

Non-Judgemental

I have to say I researched a few loan providers before opting for Zopa. Luckily my reasons for lending were just to build credit history as I have been fortunate not to have borrowed money in the past. In comparison I for Zopa's process less judgemental than others, they only asked necessary questions and checked relevant information, whereas some other providers delved a little deeper into personal situations, some stuff which I didn't feel needed to declaring to the circumstances. I also have to say the had by far the cheapest APR repayment compared to every single loan provider I checked. No hassle, no complaints and for someone in a hurry, very good as the money cleared within 24hours. A definite recommend to someone who is looking for a great loan provider without any concerns. Reviewed on: 29th June 2017

Car loan

So easy and quick to apply,, had the money in my account within 24 hours.. Plus paid loan off early and had a reduced payment. Very happy customer and would definately recommend. Reviewed on: 28th June 2017

Excellent service

Good service. Quick to respond to application. Keeps in contact throughout Reviewed on: 28th June 2017

Brill

Easy fast friendly and more importantly a clear service with great options for all people Reviewed on: 28th June 2017

Easy and helpful

At all stages of application the process was easily understood, the whole procedure was explained clearly and with no hassle. The review and award process was quick and once awarded the set up for repayment was easy and again no hassle. Can't fault the experience so far. Reviewed on: 28th June 2017

Awesome ZOPA

Zopa is awesome. They have a very clear and accessible website which gave me a great experience and has helped me tackle my personal debts confidently. Reviewed on: 28th June 2017

The best !!!

Absolutly brillant No problem with nothing really helpfull staff Reviewed on: 28th June 2017

Fantastic and easy

By far the best rates on the market I got accepted and the money I'm my bank very fast!! Would recommend and definitely use again Reviewed on: 28th June 2017

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