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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)

Pain-free, speedy service

The Zopa experience far exceeds that of my bank. I consolidated my overdraft debt - I found the APR significantly lower, the paper work far less dense (and, it was actually accessible and easy to understand). If you have any questions, the advisors over the phone are ready and able to help (and I wasn't on hold for long at all). If you want to amend the payment schedule, the online account area is clearly labelled and easy to navigate. Reviewed on: 30th May 2017

Easy to apply. Fair rates and plans

There were no hassles in applying for my loan. The payment options are varied and I was able to choose an option best suited for me. I was sent updates during the application process which explained which stage it was and since starting my repayments there have been no issues. Very happy with the service. Reviewed on: 30th May 2017

Zopa the best

I borrowed money from Zopa and the service was excellent Reviewed on: 30th May 2017

Very Efficient

I applied for the loan one evening and it was in my bank account the next day. Very efficient process and excellent rate. Thank you! Reviewed on: 30th May 2017

Efficient, professional and friendly.

Their website is easy to use and access to my account is straight forward and easy to understand. Reviewed on: 30th May 2017

Excellent experience

Very straightforward, simple and fast! Reviewed on: 30th May 2017

Great service

Very quick and easy to use, reasonable and the terms were easy to understand. I don't have any complaints! Thanks. Reviewed on: 30th May 2017

Exellent rates

Exellent rate, very affordable payback % Reviewed on: 30th May 2017

Fast easy and great rates

I applied for a loan and in less than 30 mins I had an answer. The rates are best around and it's easy to set up. Reviewed on: 30th May 2017

Excellent Loan Provider

It was simple and easy to arrange my loan and make payments. Got a very competitive rate and their customer service is second to none! Reviewed on: 30th May 2017

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