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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)

Helped me when others wouldnt

I needed a new car desperately and no one would help apart from high APR lenders. I found zopa and they offered me a rare the same as a high street bank. I have already over paid nearly 1/3 of my loan so clearly wasn't a bad borrower. Thanks zopa for helping me and giving me that chance. Reviewed on: 23rd June 2017

Quick simple an easy.

Really thanks to zopa we got acceptted in minutes and have a good affordable repaybale loan. Only had to use customer sevice once and they were fantastic! Reviewed on: 23rd June 2017

Great value and easy to access.

Simple, straightforward no nonsense application, quick decision and money in my account almost immediately. Reviewed on: 23rd June 2017

Simple, Fast And Accurate

Applied For A Loan For The First Time.. Filled In A Quik Short Form Got Accepted Got Paid.. Recomended To Friends And Family A Week Later.. Reviewed on: 23rd June 2017

Fabulous service

Very simple process took mins to sort out, best interest rates I could find. Money in my bank within days. Would be my first stop for future loans. Reviewed on: 23rd June 2017

Great alternative to conventional lenders

When looking for an unsecured loan Zopa were by far the most accommodating, offering loans at highly competitive rates compared to conventional lenders. Making extra payments is very flexible with no penalty for early completion. To date I have had two loans with them and will always make them my first port of call in the future. Reviewed on: 23rd June 2017

Excellent experience, easy from beginning to end

I took out a small loan to consolidate some bills. The experience with Zopa was very easy, the application is simple and quick. Once your application is approved the money is available within a few hours. I feel the interest rates are extremely fair and I would definitely recommend people use the service. Reviewed on: 23rd June 2017

Excellent loan service

What I love about zopa and is that you can pay off your loans early this makes it a variable very flexible solution when you need to borrow some money. Of course when you have money spare you can lend it to other people so you feel like you're helping out the community whilst making some extra money. In the end everybody wins. Reviewed on: 23rd June 2017

very good

Excellent in quickness of letting you know if you have got the loan. Money put into my account with no fuss. Excellent all round. Would recommend. Reviewed on: 23rd June 2017

Excellent service

Quick, easy and user friendly. There isn't much to complain about with Zopa so they get my highest rating Reviewed on: 23rd June 2017

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