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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)

Zopa Review

My 2nd loan, as the first (paid off early) was a good experience, at a good rate Reviewed on: 31st May 2017

Really good, easy to use and efficient service

Searching for loans and this company popped up. Never heard of them before but decided to check them out. They offered a superb loan deal, very transparent TOA so everything is fully understood and I know where I stand. Have already insisted a few friends try them out! Reviewed on: 31st May 2017

Amazing company

every time i need money it takes less than few hours Reviewed on: 31st May 2017

Quick,and super simple.

Did a quick search, Zopa was on there, nice easy process to go through, in total took me all of 4 minutes to apply, and the money was paid in the following day, wouldn't hesitate to use again or recommend , Dennis . Reviewed on: 31st May 2017

Easy & fast application

Fast & easy loan payment, team are really helpful decisions are made within a few day Reviewed on: 31st May 2017

Lowest apr fastest loan.

Takes 10 minutes to apply for the loan. The lowest apr i have ever seen. Reviewed on: 31st May 2017

Great loan company

Hassle free trustworthy company would definitely recommend Reviewed on: 31st May 2017

Excellent service

Quick fast efficient service. Would recommend. Reviewed on: 31st May 2017

Difficult to rate

I like Zopa. The customer service team are fantastic and cant do enough to help when you ring. As is the whole loan application process. Quick and easy with usually a very quick turn around for available funds. My reason for not giving 4/5 stars is only down to when i came to settle the loan through a 3rd party - Zopa do not send attachments with settlement figures on (which my 3rd party needed) and they do not discuss matters with 3rd party other than direct family members - which gave me quite a headache yesterday trying to sort new car finance out. Again, customer service staff couldn't be more helpful if they tried so thank you for that. Reviewed on: 31st May 2017

Quick application process and quick payment

Hassle free application process with immediate decision and quick payment directly into account. Definitely would recommend Zopa! Reviewed on: 31st May 2017

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