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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)

Best loan I've had

So qick and easy to apply for with great rates Reviewed on: 25th June 2017

Excellent Rates a great provider

Zopa's loan rates were lower than my bank, the process to apply was quick and the decision quick. The fact you can pay off additional amounts to clear the debt earlier without any penalties and view online whenever I like was a big plus. Reviewed on: 25th June 2017

Brilliant customer services

Been using Zopa for a few years now and always recommend them to friends and family. Would definitely use again in the future. Reviewed on: 25th June 2017

very easy to set up

very convenient and easily understood instructions. as easy to invest as it is to withdraw. transparent and clear terms and conditions, charges etc. also good on the borrowing side, good rates on both borrowing and lending sides of it. Reviewed on: 25th June 2017

Best Loan company around

After struggling to find a loan for the value I wanted at a reasonable interest, I was left scratching my head. Every company I was coming across was offering extortionate amount to pay back in repayments. Then after extensive research I came across Zopa. I put in the amount I wanted, waited a minute for the approval process; then was offered the best rate than anywhere else had given me. To top it all off, the money was in my account in less than three hours. If I'm ever struggling to find some money and need a loan, I will always be using Zopa from now on. Reviewed on: 25th June 2017

Excellant, professional service

I have been really pleased with Zopa. Following a period of difficulty I found my credit rating had dropped and offers of credit at extremly high interest rates. Zopa provided me with a quote and as my credit rating improves loan interest rates are improving as well. Would definitely recommend to family and friends Reviewed on: 25th June 2017

Excellent ! Easy to use. Very Fast.

Is very simple to use, is fast and you always have control what is happening with a loan through website - dashboard. You know amount to pay, you always can pay it off in full if you wish without any extra fees. Would use it again if need. Reviewed on: 25th June 2017

no messing and bang on the money

i could not get a loan from my bank because i did not take up their first offer which must have messed something up i'm not sure so i came to you and had no trouble at all thank you Reviewed on: 25th June 2017

Fast and easy

Fast easy and totally brilliant way of getting a loan Reviewed on: 25th June 2017

great company

easy to deal with and very little issues and no complicated application form Reviewed on: 25th June 2017

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