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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

200% increase in 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)

Easy and efficient

Quick loan processing.. no fuss good interest rates Reviewed on: 31st May 2017

Honest, straightforward loans

An approachable company who provided me with the confidence to use and recommend to family and friends. I found the whole experience straightforward and simple - how it should be! Reviewed on: 31st May 2017

Quickest and easiest loan ever!

I used Zopa to borrow money for a car. This car was found on popular auction site with only 48 hours left on the auction! I applied for a Zopa loan and just over 24 hours I had the funds in my bank ready to be used. Zopa have got to be the fastest loan company offering amazing interest rates, exceedingly quick service and a very user friendly website to manage your loan ! Reviewed on: 31st May 2017

Quick, easy, clear

The process was a fast one and everything was made very clear to me. Very impressed with the service. Reviewed on: 31st May 2017

Couldn't have been better!

Couldn't believe how quickly the process was to apply, be approved and receive the zopa loan. I was worried that I wouldn't be able to get a loan because I'm 21 but I have, it was really easy and the low interest rate is the best I found on the market meaning the repayments will always be manageable for me, especially pleased that Zopa don't charge to make early payments either!! I rang up the customer service team and the woman I spoke to was incredibly helpful too. Would 100% recommend zopa to anyone who needs a loan! Reviewed on: 31st May 2017

Fuss Free Borrowing

Ive always found borrowing money for this or that, to be quite stressful, perhaps it's my age; When I was younger; it meant a visit to the Bank Manager, I'd have days of stress leading up to my appointment, am I suitable? will my bank history be up to scratch? will my reasons for borrowings be aceptable? Then after a recommendation from a friend, I tried Zopa and I'm so glad! I found the service easy to use, I then wanted advice and the phone was immediately answered and questions answered satisfactory and the best part is its cheaper! ! I shall definitely be recommending Zopa to my family and friends ! Reviewed on: 31st May 2017

Great experience

Fast simple and understandable no fuss Reviewed on: 31st May 2017

great for loans

easy to arrange and manage on line,you can make extra payments if you want to pay a little more off one month,choose your own payment date to suit yourself ,and no early repayment charges and at good rates Reviewed on: 31st May 2017

Excellent customer service very simple and easy to set up

Brilliant experience fantastic customer service and simple easy set up process Reviewed on: 31st May 2017

Fantastic! Cheap! Easy!

So quick and easy and the fees are super cheap! Brilliant!!!! Reviewed on: 31st May 2017

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