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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)

Quick, Easy and Hassle Free

I have taken out two loans with Zopa. They were incredibly easy to set up and gave a very good rate, it was more reasonable than many other competitors. Using my online account I found them easy to use and keep track of the payments i had made. You can also change your payment date online without any hassle. I actually closed one of my loans early which was simple to do and didn't cost me any more. I would recommend Zopa to anyone looking for a short term loan. Reviewed on: 30th May 2017

A loan company that works with you

I've used zopa a couple of times over the past few years. Setting up the loan was quick and straightforward. You can access the account online to see how much you have paid off. I refinanced an old loan and within 48 hrs the old loan was paid off, the new one set up and any outstanding funds were in my bank account. I've had no nasty surprises and the company does exactly what you'd expect. I would highly recommend Zopa and will look to use them again if needed in the future. Reviewed on: 30th May 2017

Great rates, easy to use

I have used Zopa for a while for both lending and borrowing and have been impressed with the clear and concise information, trustworthiness and competitive rates Reviewed on: 30th May 2017

This is how it should be

pay off loan when I want with extra payments above standard monthly direct debit. Monthly payment adjusts to reflect what is left to pay. Win win for me and Zopa. Customer service helpful and friendly. Reviewed on: 30th May 2017

Easy to apply - quick, fair decisions

My experience with zopa loans has so far been an enjoyable one. Quick fair decisions with full explanation and easy to apply. Reviewed on: 30th May 2017

Excellent service

I got my loan approved the same day and only took 3 days to go in my account I am very happy with the rates aswell. Reviewed on: 30th May 2017

Great Service

Zopa provided me a loan at a fantastic rate with flexible terms. I'd use Zopa again no questions asked Reviewed on: 30th May 2017

First class loan provider

Easy to use, excellent rates for borrowers, can't rate them highly enough. I have already recommended them to my family and friends. Would never look anywhere else for a loan in the future. Reviewed on: 30th May 2017

Brilliant.

Best loan company ive come across, cant recommend it enough Reviewed on: 30th May 2017

Excellent value

Great company ! I've had two Zopa loans now such a good company no hassles! Reviewed on: 30th May 2017

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