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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69081 reviews)

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4.95

Based on 69,081 reviews, last reviewed 27th Apr 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

excellent from start to finish, very smooth from the... excellent from start to finish, very smooth from the first minute to money arriving in the bank straight away once confirmed . Reviewed on: 27th April 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 (69081)

Excellent, no other word to describe

Easy to apply Quick response Money in the bank next day No other company gives you that Reviewed on: 1st June 2017

Thanks

I am going through a difficult divorce. The bank would not consider me for a loan. Two part time jobs and the wrong side of 40. Zopa saved the day. I am now able to keep my home and stay on the property ladder. . Thank you Reviewed on: 1st June 2017

Make Zopa your No. 1 choice!

Such an easy way to borrow and so professional from start to finish. If you havent cheked Zopa yet for a loan then make sure you do. Reviewed on: 1st June 2017

Straightforward

Quick, easy and straightforward! It was my first time applying for a loan - had approached the bank initially but been told I would need an appointment with an advisor. While waiting for said appointment I decided to have a look at what was available online, found ZOPA and had the loan approved within a few minutes of applying. The banks need to up their game in the face of this very streamlined process Reviewed on: 1st June 2017

Easy to use and good rates

I have used Zopa a number of times over the last 15 years, usually to buy a car. They are quick and easy to use. They seem pretty ethical and I have never had any issues. Reviewed on: 1st June 2017

Great service

I have borrowed twice from Zopa over the last 10 years. Both times the service was simple to use and very clearly explained. Reviewed on: 1st June 2017

Great APR rates money in your account fast

This is the second time I have used Zopa, they offer superb rates with a fast payment in to your account. The online application process and navigating your online account is very easy. I highly recommend Zopa Reviewed on: 1st June 2017

Low interest rate

Zopa Loan is one of the list of company that offers low interest rate to customer and the system is very flexible, which means you can pay off lump sum anytime if you want to Reviewed on: 1st June 2017

easy to use and very customer friendly

An uncomplicated and user friendly service. I would recommend zopa to anyone who needs to take out a loan. Reviewed on: 1st June 2017

Simply the best

Easy to take out a loan no hustle and low interest rates Reviewed on: 1st June 2017

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