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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)

Hassle free borrowing

Zopa was recommended by a family member. I found it extremely easy to use the website. Everything was explained very plainly. The best interest rate I could find by quite a margin. (12.9% vs 6.9%) I was kept in the loop via email through out my application and easily sent off the necessary documents. The funds were in my account a couple of days later. I have now made my first couple of repayments and am very happy to know that I can pay back as early as I like without incurring more charges. Thanks Zopa Reviewed on: 30th May 2017

Easy to use and quick decision

Very pleased with Zopa that offered a great loan repayment cost and was quick to get back to me with a decision, would defiantly recommend them to anyone looking for a loan. Reviewed on: 30th May 2017

Really good loans company.

The application process is quick and without endless streams of paperwork. The rates given up front are honest and reasonable. They have an excellent web app that allows you to see your loan progress and to make early payments. Really good service all around. Reviewed on: 30th May 2017

Fantastic and so easy to setup.

Great smooth experience. I had the funds in my account within days and the online account management is super easy to use. Reviewed on: 30th May 2017

Great loan provider

Zopa gave me a great loan quote with low APR, which meant it was affordable to help me with some debt consolidation. Quick and easy application, the money was in my bank the following day after approval, couldn't be happier! Reviewed on: 30th May 2017

Easy, seamless experience

The easiest way to get a loan in minutes! Super intuitive website, friendly customer service staff, all round great, painless experience. They make it all so easy to understand and take the fear out and uncertainty out of of applying for a loan. Reviewed on: 30th May 2017

Fantastic, quick, efficient, hassle free service

An all round simple and fantastic service. Reviewed on: 30th May 2017

Terrific from start to finish

Fantastically efficient and website very easy to use. The process was very easy from start to finish. Their terms clear, fair and customer service so willing to help. Could not fault a single part of the process Reviewed on: 30th May 2017

Delighted and love the business model

I stumbled across Zopa through a comparison website for a car loan and they were in the top 2 of options. Not only did their setup take minimal time but the model of p2p lending is one that I really liked the idea of over a conventional bank and knew that my interest was some savy investors gain. Very happy and I will be back soon, maybe even to invest! Thanks guys! Reviewed on: 30th May 2017

People friendly service

Easy to use no nasty surprises paperwork straightforward. Customer focused x good rates. No long waits Reviewed on: 30th May 2017

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