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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)

So easy!

As someone with a very poor credit rating I was very surprised that I was accepted for a loan. The money was in my account in less than two days,well before I expected it. Their interest rate is very low, much much cheaper than any other company. I wouldn't hesitate to recommend Zopa to friends and family. They are the best by far!!! Reviewed on: 2nd June 2017

Great service

Applied and had cash within 3 days Reviewed on: 2nd June 2017

Customer service

fantastic, really easy to apply. Plenty of information during the application process leaving me feeling at ease. Money was available very quickly Reviewed on: 2nd June 2017

Straight Forward and Quick

Fantastic service could not have made it any easier!Highly recommended Reviewed on: 2nd June 2017

Fantastic lender

I applied for a loan in June 2016 and Zopa were able to give me a clear understanding of what the monthly repayments would be depending on the number of months of borrowing. The decision was quick once the application had been received and the money was in my bank account within 24 hours. The direct debit was all set up as part of the process and it's a stress-free loan process. I would definitely recommend Zopa to others looking to get a loan with great APR. Reviewed on: 2nd June 2017

Fantastic clear , easy and fair to customers

I need a loan for home improvements and look everywhere for loans. I stumbled on Zopa, I fouls them clear on loans offered and easy. Would use again Reviewed on: 2nd June 2017

Given rate advertised

Had 2 loans with zopa, and both were at the advertised rate. Would use again! Reviewed on: 2nd June 2017

Efficient and painless

Taking out a personal load is a daunting task and searching lenders can be a mine field. Not with Zopa, from beginning to end, easily navigated structured menus with concise up to the minute information made the whole process a please. For me there is only one choice, Zopa. Thank you. Reviewed on: 2nd June 2017

Fast, efficient and simple!

After shopping around I was a little cautious, however the rates, service and application process were fantastic. Reviewed on: 2nd June 2017

Excellant

Wonderful way to get a loan, had no problems. Reviewed on: 2nd June 2017

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