Write a review

Go to business site

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69082 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Personal loan now

Help others make smarter decisions by sharing your own experience.

Write a review

Zopa Personal loan reviews (69082)

Easy to get, easy to manage

I borrowed £3500 a few years ago for a car, paid it off a year early by managing my account online. So easy to use and competitive I went back to borrow £5000 over 5 years to put toward some major home improvement, still over 3 years left but it's a good rate and we can pay extra as and when to save on the Interest. Reviewed on: 30th May 2017

Easy loan

Fast friendly affordable. Great service and so easy to deal witg Reviewed on: 30th May 2017

Definately the best of the best

I have borrowed from zopa quite a few times in the past and currently have a loan with zopa, its definately the best company to get a loan from as its very quick and interest rates are very reasonable. I reccomend and will continue to reccoment zopa to everyone i know and A handful of family members and friends of mine have also started to use zopa and also love how quick and easy it is. Reviewed on: 30th May 2017

Lending how it should be...

I've always liked the idea of peer to peer lending but had never had a borrowing need until recently, when we purchased a new car. I applied, for a decision within hours and the money in my bank quickly so that we could go ahead and look for our new family car. What's better is that I managed to get a rate of 3% which is better than my mortgage! I recommend Zopa to anyone looking for a loan now. Reviewed on: 30th May 2017

The best loan company ever

Great service ! I got my loan for home improvement approved in 5 min with no extra afford from my side. Money were in my bank account in next 2 days. No hidden fees, lowest % of interest. Recommend Zopa and will use them again Reviewed on: 30th May 2017

Fantastic! Highly recommend

Have used Zopa twice now. Both times have been faultless, quick and easy. If I ever require another loan, I will definitely use Zopa Reviewed on: 30th May 2017

Quick and easy service.

Zopa loan terms and interest came back as the most competitive available and the loan was completed quickly and hassle-free. Reviewed on: 30th May 2017

Excellent

Excellent - Simple and very quick access to money in no time Reviewed on: 30th May 2017

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

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loans
from Glasgow Credit Union 4.96 from 3135 reviews
Luxury Asset Loans
from Borro 0.00 from 0 reviews
Personal Loan
from Ikano Bank 1.85 from 36 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1545 reviews
Credit card
from Zopa 4.94 from 44342 reviews
Current account
from Zopa 4.93 from 6589 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub