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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)

Top Company

Brilliant loan provider, so easy to deal with and fast & efficient service Reviewed on: 24th June 2017

No Messing Just straight forward

I came accross Zopa via Clearscore. They had already pre approved my application and when I went ahead they sent ne an email and asked me to call them which I did and they confirmed a few details and the loan went straight through at the advertised rate. Some banks change the rate after they approve the loan but zopa didn't. Reviewed on: 24th June 2017

5 Stars

Easy, affordable, well recommended! 5 Stars Reviewed on: 24th June 2017

Great value, great service, great company!

I wanted a loan to buy a car and clear existing debt, first I checked with my bank and then used several comparison sites. Zopa offered me an APR that was more than half the interest my bank would charge, I applied, got the rate advertised and the credit was in my account within 3 days, if I remember right. Thanks to Zopa my finances are now in check, before I was paying out around a £1000 per month and now just over £200. Furthermore, I now have a nearly new vehicle which is saving me hundreds of pounds a year in running costs. Fast & friendly, easy & efficient, for me Zopa gets 11/10 a very satisfied customer. Reviewed on: 24th June 2017

Three words , friendly , quick , economic

We needed a car and one came up , quick decision had to be made and Zopa came up with the best deal. Can change payment day, pay off quicker and go online to keep track . Excellent service would recommend to anyone needing a loan . Reviewed on: 24th June 2017

A fair and truthful company

I was looking for a loan to help my daughter with driving Lessons and with a car i looked on line at a few loan providers but they changed what they advised was the monthly payments and interest with zopa what they said was what they did which I found to be very fair Reviewed on: 24th June 2017

Fast, fair and from the people

The concept of P2P lending is becoming a far more credible form of lending and earning interest as we lose more and more trust with traditional banks and opt for banking methods from our fellow citizens. Where others were intrusive Zopa made me feel like it was ok to take out a loan. Fast, simple and effective. The whole experience feels fair as it's from the people. Thank you Zopa! Reviewed on: 24th June 2017

Very easy

Very easy to setup online. Quote same as final deal and highly competitive to other loan suppliers Reviewed on: 24th June 2017

Excellent

Fast, excellent good communication Reviewed on: 24th June 2017

easy fantastic service

money in my account very quickly able to look for my car straight away with no restrictions to where I buy it. Reviewed on: 24th June 2017

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