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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69080 reviews)

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4.95

Based on 69,080 reviews, last reviewed 25th 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:

4

Whole process was Easy and hassle free Decision... Whole process was Easy and hassle free Decision and funding amazingly fast Reviewed on: 25th 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 (69080)

Very quick online loan!

Everything went fast and smooth. Quick email contact. Reviewed on: 31st May 2017

rapid sensible problem free

I applied for a loan from Zopa. I sent a couple of Emails asking for advice and was responded to almost immediately. To make life easier I coloured in the income entries in my forwarded bank statement for proof of income. This was rejected for obvious reasons and I resubmitted an original scanned one which was accepted without a problem. My loan arrived in my bank account, as promised, on the third morning at about 9.30 and was clearly identified on my statement "ZOPA." Excellent - I would highly recommend this firm. Reviewed on: 31st May 2017

Cut the jargon !

You know what you're doing with Zopa. They don't bamboozle you with jargon like many traditional banks. It's modern, forward thinking lending. The online decision is quick and stress-free. The mobile access is great on the move - and I like the freedom to pay off more if I want to - with no hidden charges. I've recommended to several people and they've thanked me for it ! Reviewed on: 31st May 2017

Good rates

Had good interest rates no hidden fees Reviewed on: 31st May 2017

Easy, simple to use loan company

I found Zopa to have the best rate at the time I was looking for a loan. Their application process was very straightforward and transparent. Easy to use, I would highly recommend. Reviewed on: 31st May 2017

Amazing service!

Quick decision and the lowest rate around. My bank could not offer a loan as good. Reviewed on: 31st May 2017

Very quick and easy

Zopa offered a very competitive rate on my loan and were able to agree at very short notice so that I was able to take advantage of a very good deal on a new car. I am also impressed with the lending "peer to peer" model. Overall a refreshing change to more traditional lenders Reviewed on: 31st May 2017

Friendly & easy

Made easy to understand all the jargon. Friendly and helpful staff, no pushy sales. Reviewed on: 31st May 2017

Highly recommended

I Highly recommended fhe excellent team and service. Reviewed on: 31st May 2017

Zopa is the best peer lending organisation/community on the market with the lowest interest rates and excellent customer service absolutely unbeatable!

I have used Zopa twice for small loans as they offer the best interest rates which are much lower than the banks. Applying is simple and hassle free with excellent customer service- no complaints at all. Reviewed on: 31st May 2017

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