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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 Lender, End Of!

First class service start to finish! No need to look elsewhere! Reviewed on: 24th June 2017

Don't waste your time looking elsewhere!! Go Zopa!!

Fantastic service from Zopa on all levels! Very flexible simple and trusted online facility. Brilliant how you can consolidate your existing loans with Zopa and extra cash. Simple to reduce montly payments if necessary by extending the loan period and access additional money at the same time, great if your fifth child is going to Uni! Thanks Zopa! First rate business, first rate service!! Gary Reviewed on: 24th June 2017

No fuss loan

Needed a little extra cash for some home improvements zopa made that happen with no fuss Reviewed on: 24th June 2017

Fair. Fast. Great customer service

I had a low credit rating & I desperately needed new equipment for work. I gave them my bank statements & required information & my loan was credited to my account within days & I pay an affordable amount back each month. Easy peasy! Reviewed on: 24th June 2017

quick easy and best rates

No problems at all. Easy to set up great rates Reviewed on: 24th June 2017

Easy no pressure loan

I've borrowed a loan from Zopa twice and had good experiences both times. The first loan I paid off a year early and was pleased not to have any early re-payment penalties. Reviewed on: 24th June 2017

Soooooo fast ,made the difference .

I wanted to buy a second car for my wife ,spotted one at a great price and because of the speed it went though I got the car for a great price ,one happy customer,one happy wife ,well done Zopa Reviewed on: 24th June 2017

Great interest rate. Quick and easy!

After looking at other loan companies I thought all of them were out to make as much money off me as possible. And then I stumbled upon Zopa loans. Great rates, quick and easy to apply and got approved early the next day. Thanks to the loan off Zopa my house has never looked so good! I have recommended Zopa to so many friends and family and I wouldn't go anywhere else if I needed a loan again. Reviewed on: 24th June 2017

The Zopa loan changed my money situation and impression of banking overall

I used a Zopa loan to pay off an existing one I had with my bank who I had been with for over 30 years. My payments reduced by £200 per month over the same term due to the reduced interest rate. No loyalty for 30 years banking with the same bank. Will always try Zopa first in the future. Great experience from start to finish. I am also thinking of investing with them in the future. Love the easy to follow website and dashboard too. Recommend this company with no hesitation. Reviewed on: 24th June 2017

Best rate better than high street banks

Few simple steps and unexpectedly the money was in my account. No documents or IDs required... Reviewed on: 24th June 2017

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