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Zopa: Personal loan reviews

View other Zopa products
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
See only 5 star reviews
95%
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5%
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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
sylvester g's avatar
sylvester g

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
John 's avatar
John
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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 simple service

5
I found applying for a loan so easy and simple. The website is easy to navigate. You have options to increase your loan and pay extra. You can easily view what your remaining balance is too. Reviewed on: 22nd June 2017
Donna-Marie McKinson's avatar
Donna-Marie McKinson

Easy, plesant loan

5
I'm relatively new in this country and I had (have) a plan. The loan from Zopa was simple, easy and quick. Filled out the form, sent the requested docs, got a call from them and I got the money. I definitely recommend if you have a (relatively small) shortage in you budget. Reviewed on: 22nd June 2017
George's avatar
George

Straightforward and easy loan with minimum interest

5
My loan was approved instantly and the funds only took a couple of days to come in to my account. I was buying a new car and the interest rate was about ten times better than buying through the garage finance options! I would recommend the company as so straightforward and easy. Reviewed on: 22nd June 2017
Laura curley's avatar
Laura curley

Zopa loan

5
i took out a zopa loan to consolidate credit card debt which had ridiculous APR. The application was so simple and straight forward, the money was transferred to me quickly and they have great customer service. The rates were very good and it's so much nicer having to make only one regular monthly payment. Couldn't ask for more, thanks zopa Reviewed on: 22nd June 2017
Steph Healey's avatar
Steph Healey

Overall good service

4
Good experience overall easy to apply and quick response Reviewed on: 22nd June 2017
Val Traynor 's avatar
Val Traynor

Simplicity and speed

5
I followed a link from money saving expert and was very pleasently surprised by how quick and easy the process was. The rate was great and the money was in my account within a fee days. Reviewed on: 22nd June 2017
Miles Atherton's avatar
Miles Atherton

Great service

5
Inhave found nothing but great service with Zopa. Good rates. I like the fact I can check my balance online. I highly recommended!! Reviewed on: 22nd June 2017
Freya Robinson's avatar
Freya Robinson

Superb service

5
Absolutely class, really good service and application process was a doddle. Reviewed on: 22nd June 2017
Alyn Williams's avatar
Alyn Williams

Excellent alternative to traditional banks

5
Easy to submit your application, easy to review your application and accept it. Money arrives instantly or latest next couple of days. Very low APR, and easy to pay back and keep on top of it. Not only a good alternative to traditional loans and banks, but an excellent place to get a great cheap loan! Reviewed on: 22nd June 2017
Paolo Ventrone's avatar
Paolo Ventrone

Great service

5
I applied for a loan with zopa to consolidate and pay off credit cards. Its so much easier to pay one company every month. They gave me great rates and the application was nice and simple, the money was transferred into my account really quickly. Can't praise them enough, thanks zopa Reviewed on: 22nd June 2017
Steph Healey's avatar
Steph Healey

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