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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)

Best loan experience

I needed a loan for some building work. Applying was simple, I got a quick response and a great rate. I paid the loan off early without incurring any penalties. A good all round experience. I thoroughly recommend ZOPA. Reviewed on: 1st June 2017

Very professional and approachable

Communication with Zopa is spot on and managing my account online was very straightforward. I do not have anything negative to say. Reviewed on: 1st June 2017

Friendly customer service

Customer service was nice and friendly Reviewed on: 1st June 2017

First time customer everything is ok

Nothing much to be said seems like a great company. Reviewed on: 1st June 2017

Accessible to everybody

The rates are quite good and the loan it's accessible to a wide range of people Reviewed on: 1st June 2017

Easy, No hassle loan!

I've been really inpresssed with Zopa. The application process was really quick and straight forward, the funds came into my account in no time. What I liked most is that there was no unnecessary paperwork through the post! Reviewed on: 1st June 2017

Simple Terms - Great Rates

It's straight forward terms, and very low rates. Overall it's just simple Reviewed on: 1st June 2017

Super Zopa, no drama.

I contacted so many lenders and was turned down as I had 1 missed payment to a previous lender and was, unbelievably defaulted as a result. My 12 year old car had had enough and was scrapped, I loved that car (sad face). None of the lenders I contacted would entertain me due to the default I contacted Zopa and within minutes I had the funds to buy some new wheels to enable me to get to work. I gave recommended Zopa to friends and family some of them have also had great service from them. I would definitely use Zopa again even now that the default has cleared. Great customer service, instant results, you can even pay off the loan early without any extra fees. Thanks Zopa, youre #1 Reviewed on: 1st June 2017

Top loaner

Applied online and knew in minutes if I were getting loan. Fab firm to do business with Reviewed on: 1st June 2017

I am very pleased

I recommend, quickly comfortable Reviewed on: 1st June 2017

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