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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)

The best

The best loan company I've ever used Reviewed on: 31st May 2017

Zopa got me a better (first) car...

Whilst shopping around for cars I was left feeling I would have to settle or I go on an extortionate finance plan to get the car I wanted new - having found the car with the spec I wanted and only a year old I looked into options for financing the purchase and finding the leftover sum. It was an accident finding Zopa, stumbling across recommended loans in my Clear Score Credit report I used their input matrix for amount and tenure - due to my credit score I qualified for an exceptional 3% interest for my loan over 5 years. Thank you Zopa! I now plan on looking to invest some of my own funds into Zopa, a brilliant peer-to-peer lending facilitator. Reviewed on: 31st May 2017

Brilliant

Zopa is brilliant for loans there very helpful quick to help and reply and it's online is very easy to use. Highly recommend and will definitely use for future loans. L. Gale Reviewed on: 31st May 2017

Transparent, easy to use

Zopa make lending very easy and transparent. Almost everything can be done online without the need to call and wait in long queues, and its so simple to update things like the Direct Debit date. This is the least hassle I've ever had compared to any service offered by a major bank. Reviewed on: 31st May 2017

Great Experience, and Great Interest Rates

Of all the loans I have had to go through, Zopa has been the easiest, and by far the most user-friendly (both in their site user experience, and interest rates). I would recommend them to Friends and Family, I would even use them again if I ever needed another loan. I would like to, in the future, become a lender with them, as they are definitely a trustworthy Loan company that I would be fine working with. Reviewed on: 31st May 2017

Great value

Easily the best value loans around, great service and it is oh so easy. Reviewed on: 31st May 2017

superb!

applying is easy a pie! you can al pay back when ever you want and lo interest compared to the rest. Reviewed on: 31st May 2017

Quick cash with low interest

Good repayment options available. Good service overall. Also easy app available Reviewed on: 31st May 2017

Amazing service and quick results

It was a bit worrying when I first saw the info on the screen as I couldn't believe it was so good... Then I spoke with the team and they were so knowledgeable that all the worries went away! Excellent and quick Reviewed on: 31st May 2017

Great Service

Zopa provided a great, hassle-free service from start to finish with the lowest interest rate that I could find after doing an extensive search. I'd definitely recommend them to my friends and family. Reviewed on: 31st May 2017

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