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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)

Quick and easy.

Application was easy, got my money quickly and at a great rate. Would recommend. Reviewed on: 23rd June 2017

Never said no.

I've taken out a total of 6 loans with zopa, love the fact you can pay full balance with no fee's Reviewed on: 23rd June 2017

Easy to negotiate website

Happy with loan deal and re payment. Good customer service. Reviewed on: 23rd June 2017

Loan without a moan

Had a couple of loans and both have been total hassle free. Great rates and great service what more could you ask for. Reviewed on: 23rd June 2017

Quick and straightforward

Needed a loan quite quickly, the process was so quick and easy. If needed again I will DEFINITELY look to Zopa for help and support. Reviewed on: 23rd June 2017

Superb cost effective way of borrowing!

I applied for a loan from Zopa as recommended from Moneysavingexpert website. I Was pleasantly surprised at the extremely low interest rate and the speed from initially applying to having the money in my account. A really nice touch is having a monthly statement sent to my email address and the ability of paying the loan off sooner if I wished. Have already recommended Zopa to friends. Reviewed on: 23rd June 2017

Quick, Simple and Accessible for all!

One of the best things about accessing lending from Zopa is the swift online application process - I could even upload my Identification documents as image files! No clunky forms or time consuming meetings - within two days I had an agreement, and was able to log in and change my payment date to one that worked for my family finances. If only all loans providers were as easy to deal with! Reviewed on: 23rd June 2017

it is exelent for the rates

It is worth while for the money and the experience Reviewed on: 23rd June 2017

Fast and great technological interaction

I like the fact Zopa was there to lead and the way to access the loans and time of transfer made it easier in my busy scheldue. Reviewed on: 23rd June 2017

Stress Free

When you apply for a line you worry that you have to spend hours trawling through a lot of questions, including your inside leg measurement! Just to then be kept waiting to see if you're an acceptable risk or not. Zopa cut through all the hassle. A simple process with a quick answer. You don't have time to stress or worry as they make it as easy accessible experience. Reviewed on: 23rd June 2017

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