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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69082 reviews)

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4.95

Based on 69,082 reviews, last reviewed 1st May 2026

14% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

It was so easy and straight forward to apply with ve... It was so easy and straight forward to apply with very fast decision turn around pay out once successful. Very competitive repay rates always a no br... Read more Reviewed on: 1st May 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 (69082)

Very good customer service, good rate

Very good customer service, good rate Reviewed on: 18th January 2025

Ok todate helpful in every way looking forward to th...

Ok todate helpful in every way looking forward to the end. Reviewed on: 18th January 2025

My Personal loan

Fast easy application money in account swiftly absolutely hassle free would recommend trying Zopa Reviewed on: 18th January 2025

Pre-approval, and ways to pay back

I needed a loan for some home improvements, everywhere wanted to do a credit check, trapping me into a loan that would be 25+%. Zopa had pre-approved me, and at an amazing rate. No hassle on the credit report. I can also make extra payments in many many ways, so it's convenient to pay back. No complaints! Reviewed on: 18th January 2025

I found the rates competitive and the service first...

I found the rates competitive and the service first class Reviewed on: 18th January 2025

Fair priced loan

I had struggled with other companies to find a fairly priced personal loan deal due to temporary financial difficulties in previous years. I got a great affordable deal for £10K over three years with Zopa. Reviewed on: 18th January 2025

I got a loan from Zopa which helped me clear my debt...

I got a loan from Zopa which helped me clear my debts and improve my credit score, all with a new lower monthly payment and this has helped me in more ways than I could have imagined as it takes that stress of wondering how you are going to pay for your bills and cards whilst trying to reduce outgoings and improving your credit score - they are amazing and I have recommended many people to look at Zopa, I have a credit card, current account and a savings account with them all of which I have money in and pay my card off in full each month- Thank you Zopa keep doing what you are doing! Reviewed on: 18th January 2025

I have always had good service from Zopa and their d...

I have always had good service from Zopa and their decision making is quick Reviewed on: 18th January 2025

Good company to deal with.

Good company to deal with, the Zopa App works well and I have had no issues at all. Reviewed on: 18th January 2025

Superb products and services

Easy to use app, pay balance off early or submit repayments at any time. Credit Card is the lowest interest rate I've seen. Personal loans are arranged without fuss and into one's account within 2 x hours. Superb products and services. Reviewed on: 18th January 2025

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