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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 to do

Very easy process to complete online. Had a response within 24 hours. Money in my bank within a week. Perfect Reviewed on: 22nd June 2017

awesome product

very straightforward online application with timely and clear feedback Reviewed on: 22nd June 2017

Great rates

Easy application. Great rates! Highly recommend. Reviewed on: 22nd June 2017

Good rates and helpful attitudes

I've had 3 loans with Zopa over 10 years so far. The rates are low, their customer services is friendly when you call up and I love the concept of peer-to-peer lending and not having to worry about APR and the payback amount constantly going up. They give you one total figure and you pay it back in the amount of time you want...perfect! I would greatly recommend Zopa to all my friends! Also they give you £50 when you do! Reviewed on: 22nd June 2017

Simple yet effective

The process was so easy along with a good rate and flexibility what more could you ask for. Reviewed on: 22nd June 2017

Great company for a loan

Really easy to apply and great rates actually the most competitive at the time I applied. Money in my bank quickly and so easy from start to finish. I'm personally really happy with Zopa loan is paid back but I would definitely use them again Reviewed on: 22nd June 2017

Swift, competitive without fuss

I needed a loan, very quickly to get me out a tight spot. Zopa were able to offer me competitive rates without fuss and the loan was in my account almost immediately Reviewed on: 22nd June 2017

Fabulous

Excellent speedy service at a great rate. No fuss and no hassle. Reviewed on: 22nd June 2017

Brilliant

Very easy quick service, delivered what it said, money in bank immediately Reviewed on: 22nd June 2017

Great company

Got a brilliant rate from zopa. My own bank wanted to charge me rates of 8% despite impeccable money management, got a much better deal from zopa and money was in the bank very quickly. Reviewed on: 22nd June 2017

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