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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69079 reviews)

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4.95

Based on 69,079 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:

5

Value for money Excellent for the money you get always tell people to go for this loan 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 (69079)

5star

Easy to set up quick and best rates Reviewed on: 31st May 2017

Very good service, quick responses

It was straightforward to procure the loan at an excellent rate, and when I was able to pay it off early it was made very easy for me to do so. Reviewed on: 31st May 2017

Best rates and support

We went through several loan providers whose advertised rate was always far less than what we were actually offered. I have a very good credit rating, so was very disappointed at this. Zopa, in addition to having very competitive rates, actually offered me what was described. Signing up for the loan could not have been easier. Very satisfied. Reviewed on: 31st May 2017

Refreshing change

Such an easy, sensible process. Straight talking explanations to see if you are eligible before you even apply. Hassle free and a refreshing change in this day and age. Would have no issues recommending ZOPA to everyone. Reviewed on: 31st May 2017

Looking for a fair way to borrow money

I needed a loan to buy a car. I could get one easy enough as I have a good credit history but the interest rates were so varied, from 1200% at one end to a good rate at the other. I have no problem with people earning interest on their money but it should be fair to both sides. Zopa offered this along with a quick response and very little hassle. I am halfway through paying them back and would not hesitate to borrow from them again should I need to do so. Reviewed on: 31st May 2017

greta

if needed reliable place to seek for help Reviewed on: 31st May 2017

simply excellent

great, fast efficient service, can't fault them Reviewed on: 31st May 2017

Fast, fair and Fantastic rates!

I checked Zopa after seeing it on comparison sites. I hadn't heard about it before but I was amazed at the rates, and how easy it was to apply. My own bank that I have been with for a couple of decades were nowhere near the rates of Zopa. It's a no brainer. Great system for checking progress and details of the loan as well as options to change payment dates. I couldn't recommend it any more. Great! Reviewed on: 31st May 2017

Zopa real people that are help too

The Zopa website is easy to understand it concentrates you on what you are after, the process is straightforward and I found them to be quick at making decisions. But for me the ability to speak to real, helpful people that's a deal maker for me. Reviewed on: 31st May 2017

Great service and very rapid

I had a really good experience with Zopa. The service has been really fast and advisors have been professional and very helpful when I had questions. I would recommend Zopa to anybody. Well done! Reviewed on: 31st May 2017

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