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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (68054 reviews)

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4.94

Based on 68,054 reviews, last reviewed 27th Mar 2026

274300% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Good service I have had no issues with Zopa at all very professional and made everything so easy Reviewed on: 27th March 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 (68054)

Much Easier to Deal With than Traditional Banks

The application process is straightforward and quick. It would be helpful to have some of the underwriting criteria explained when a loan offer is made for a lesser sum than sought or at a different interest rate from the Zopa headline rate. Zopa would be my benchmark against which I would score any other credit provider. Reviewed on: 30th May 2017

Quick and easy application

I chose Zopa to finance my new car, I was surprised how quick and easy it was to fill in the application to getting the money in my account. No hassle and the interest rate was excellent too, very happy with Zopa. Reviewed on: 30th May 2017

Impressive and realistic to working class.

Excellent customer service with an impressive online account. I can see how much I borrowed over what period of time and repayment amount all at the click of a button. What's more is there are no early repayment fees and I can choose to pay off more if i want to without any repercussions! This is an excellent benefit as it means if i have spare cash in a month i can use it to lower my repayments. It also gives me the flexibility to repay the loan early If I can and want to meaning your not actually tied into the yearly contract. Very quick credit check which let me know instantly if I had been accepted. Money was in my account when promised and helped me out of a very tricky situation which would of left me with no transport and unable to get to work. Interest rates are amazing compared to others on the market. A very fair and reliable loan provider. I would be more than happy to recommend zopa to anyone! Reviewed on: 30th May 2017

Great company

Fast service. Received money into my account very quickly Reviewed on: 30th May 2017

New customer

Very clear on terms and helps to raise credit score Reviewed on: 30th May 2017

Excellent

Great customer service and simple application process . Reviewed on: 30th May 2017

Banking Industry Killer

Zopa's model allows it to offer the most competitive rates - but it's easy to undercut the competition if you just want to gain customers. What makes them better than the rest is that they've taken the social and technological concepts of the last few years - peer-to-peer finance, web usability, instant gratification - and brought them together in their platform. I'm a Barclays Premier banker and they called me up and asked if they could try to take over my loan. But they just couldn't beat Zopa's rate. So that says a lot. Reviewed on: 30th May 2017

Fast and Friendly Service

Fast payments, friendly team of advisors and quick decisions. I have used other providers in the past, however I would strongly recommend ZOPA over them all. Reviewed on: 30th May 2017

Simple and easy personal loan

Simple and easy personal loan for every one, highly recommended. Hustle free and quick process to get your loan in a few days time. Reviewed on: 30th May 2017

ideal for a car purchase

Have been impressed with the ease of use and flexible payment options. Also no hard sell. Reviewed on: 30th May 2017

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