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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)

Easy and reliable

Exceptional interest rate and so easy to set up. Payment made as promised. Not sure anything could have gone better Reviewed on: 22nd June 2017

Real world lenders

When I needed a loan and seeked comparison sites, only Zopa came back with realistic prices. Since taking out the loan I had a few queries that were answered quickly and promptly by customer service from their UK based centre. Thank You for trouble free lending. Reviewed on: 22nd June 2017

Excellent Provider

No hidden costs, very easy to obtain funds and would offer me the full amount that I was looking for where other banks and providers would not. Reviewed on: 22nd June 2017

Quick, easy, and affordable

I needed money for something big, made an application, and got a good rate. It was easy to apply for, the site uses large font sizes. Reviewed on: 22nd June 2017

Absolutely fantastic, quick and so easy.

I got a loan through zopa for my car, absolutely fantastic. Money was in my account after 2 days. Can access my account whenever I want to make changes or check how much I have left to pay. Recommended my brother and he got a loan as well :) Reviewed on: 22nd June 2017

Efficient and reliable, no hidden charges

I enquired, I applied, I was approved and I got the loan at a competitive APR within 24 hrs! Completed online, no quibble, no hidden charges at the repayment I could afford. I have easy access online to my loan for any attention it may require. A great service with a simple, efficient and joined up approach. Thanks Zopa! Reviewed on: 22nd June 2017

There when I needed help

Taking a loan was quick and easy to set up when I needed a little help. Couldn't recommend Zopa enough to friends and family. Reviewed on: 22nd June 2017

Easy to deal with business

Easy to deal with. Great concept with ability to borrow peer 2 peer or invest and earn money on your landings to others. Rates are great for both lending and borrowing. Reviewed on: 22nd June 2017

Very quick and reliable

Have used twice and would use again. Reviewed on: 22nd June 2017

Excellent and efficient service!!

Applied for my loan online, very easy process and got my answer very quickly and funds in my account extremely quickly!! Would highly recommend!! Reviewed on: 22nd June 2017

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