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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

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4.91

Based on 69,091 reviews, last reviewed 25th 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:

5

Smooth application, good communication They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted, everything ... Read more Reviewed on: 25th 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 (69091)

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

Quick, easy, reasonable rate

Zopa we're quick and easy to process my loan, monthly direct debits were automatically set up at a date if my choosing and the site is laid out so simply I can easily keep track of my loan and pay off extra whenever I want Reviewed on: 31st May 2017

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

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