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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 reviews)

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4.91

Based on 69,090 reviews, last reviewed 13th Jun 2026

63% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

4

Found Zopa to be good value for money a few years back. Found Zopa to be good value for money a few years back. But now the rates are not as competitive Reviewed on: 13th June 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 (69090)

Thank you Zopa for making my dreams come true!

I have loved my experience with Zopa! It is my first loan and I have found it easy to set up and easy to make payments. I have some financial freedom at last ... I have bought a great little car, have booked to go on a course being held in Ibiza, am getting lots of jobs done on my house and all for a manageable sum I pay back each month at a time that suits me. I love Zopa because they charge reasonable interest rates and will let me pay off my loan early without a repayment charge. Thank you Zopa for making my dreams come true! Reviewed on: 31st May 2017

Fantastic Service

Never had such speedy and uncomplicated service when applying for a loan. Wouldn't hesitate to use them again. Reviewed on: 31st May 2017

So so so simple, and fast!

I searched for car finance and found Zopa offered the best rate. Application took 2mins and I had the finance ready to use within 2 days! I have also changed the repayment date and have done all of this online because the website is so intuitive, never a seconds hassle. A lot of other company can learn from Zopa, they offer a good product and keep the simple things simple. Reviewed on: 31st May 2017

So easy and uncomplicated to apply

Really like you can check online where you are with your loan, and that you get emails with news,updates, very good loan company, people friendly there to help and not rip you off, well done and thank you. Reviewed on: 31st May 2017

Fast hassle-free and friendly process

This made a refreshing change from the often bureaucratic way in which other lenders operate. The whole process was very efficient and quick, all done in a friendly manner. Reviewed on: 31st May 2017

Great Product

Very quick and easy to set up. After comparing many loans, this one had the lowest interest rates. It was so quick, I had my loan confirmation immediately and the money was in my bank account the next day. Highly recommended. Reviewed on: 31st May 2017

Excellent all round

Zopa have been absolutely excellent in every way. They have optimised their digital platform to make sure the customer is at the center of everything they do! By far the best lending business i have dealt with. Reviewed on: 31st May 2017

Quick and reliable

Had great experience with them and when I had to contact them I had very fast reply. Would highly recommend :) Reviewed on: 31st May 2017

Did what my bank couldn't

After getting the brush off from my bank I approached zopa! Their rates and pay back options ideally suited myself, would highly recommend! Definitely worth an enquiry Reviewed on: 31st May 2017

Great Service at Competitive Rates

I have had many friends recommend Credit Union over the years but I got my loan online with no problems with my monthly repayments cheaper than Credit Union. Excellent service at excellent ratest. Reviewed on: 31st May 2017

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