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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)

Excellence packaged

From start to finish the quality of care was exemplary. No hassle, no waiting and no hidden extras. Reviewed on: 30th May 2017

Great for saving and borrowing

We've been using Zopa for a number of years now, mostly lending as the rate of return was stellar in comparison to the derisory interest that banks are offering on their products (how laughable are ISAs these days?). Recently I took out a loan using Zopa so we could upgrade our bathroom and it could not have been simpler, everything online, applying was easy. I did phone up because I wanted to retrospectively add on the get the money quicker feature and the lady I spoke to on the phone was friendly and got the job done with no fuss. Management of the loan is simple, I managed to move the payment day on the website (I like all my vultures to swoop at the start of the month, after pay day). I would definitely consider Zopa for a loan in the future if it's going to be a hassle free (and competitive, rate-wise) as this again. Reviewed on: 30th May 2017

Really nice customer service

The lady I spoke to was really helpful and did all she could to help me get good loan. Reviewed on: 30th May 2017

Great Overall Experience

Very quick and efficient loan at a fantastic rate. All the customer service has been fantastic and they've been a joy to deal with. Reviewed on: 30th May 2017

Fantastic experience - speedy money

Had a fantastic experience with Zopa, the time from applying for the loan to receiving the money was second to none! Reviewed on: 30th May 2017

Easiest application

So easy to apply and quick to receive the funds too. And a very good interest rate. Overall really happy. Wish I'd tried these first!! Reviewed on: 30th May 2017

Zopa is brilliant

Zopa was smart, easy, simple and quick. I applied and got my money within a few days. Their web portal is very clear and easy to use. I'm able to instantly see the loan, and what options are available to me. Zopa has been a brilliant experience and I would recommend it to anyone! Reviewed on: 30th May 2017

Effective and easy company to deal with

I personally have an excellent credit rating, have never missed a payment on a line of credit, and have a reasonably well paid job. When looking for a loan, however, I struggled to find one with a good interest rate and was put off by complicated application processes. Zopa came along and offered me a guaranteed APR which was the lowest I had been offered so far, and was accepted within 12 hours. I had the full amount sent over the next day. Zopa have been excellent. Reviewed on: 30th May 2017

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

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