Write a review

Go to business site

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (68053 reviews)

View other Zopa products

4.94

Based on 68,053 reviews, last reviewed 25th Mar 2026

274100% 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

Simply classy When a brand keeps it simple then you know they are a class above ! Reviewed on: 25th 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

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 (68053)

First Class

Brilliant, easy, quick and as straightforward as you can get - a loan with Zoopla - highly recommended Reviewed on: 19th December 2016

So simple & easy to apply

No trick questions so long as you can afford monthly repayments it's easy Reviewed on: 19th December 2016

Great experience

The process was quick and easy. The website was easy to navigate. . Zopa communicated throughout and offered a fantastic rate. Reviewed on: 19th December 2016

Great loan provider

Easy to apply, competitive rates, great service Reviewed on: 19th December 2016

Easy, straightforward application

I wasn't asked any uncomfortable, irrelevant questions during my application Reviewed on: 19th December 2016

Fast, hassle-free, fully transparent, and best interest rate available - what's not to like?

After first hearing about Zopa on BBC Radio 4 'Money Matters' programme, I decided to check their offering out. I was after a small-ish loan to give me some capital to pay up-front for an academic course, but out of principle I didn't want to entrust the banks with my money. The screening and aplication process was incredibly simple and swift, and the clear explanations around both their P2P model and their T&Cs gave me confidence to apply. The terms and % rate offered were much better than those I found on the high street, and been given the flexibility to repay early or change my monthly amount without financial penalties has made a world difference. Essentially, I feel the peace of mind od having borrowed a few quid from a whole lot of people I can trust and whom I am happily paying back every month without it being a worry. I would definitely recommend that others check out Zopa before going for traditional borrowing, as they too may be pleasantly surprised! Reviewed on: 19th December 2016

Better company

Easy way for a Loan . Simply andFriendly Reviewed on: 19th December 2016

Easy lending!

Easy and fast application for a loan. Great service overall and would definitely use again :) Reviewed on: 19th December 2016

Easy going flexible company. Highly recommended.

Zopa are a fantastic company and other should take note. This is how you do business and get repeat custom. Reviewed on: 19th December 2016

An easy and understandable way of borrowing money

A fantastic website, really easy to use & navigate my way around it. This is very important when it comes to looking to borrow money. Everything was explained from the amount, the repayment, the APR and the repayment dates. A very comfortable way to explain things. The way the T&V's are laid out are great, especially the parts about any FAQ's and good to see they are authorised by the FCA. Well done ZOPA ! Reviewed on: 19th December 2016

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

Short-term loan
from Mr Lender 4.86 from 8304 reviews
Loans
from Tandem 4.00 from 1 reviews
Loan (discontinued)
from Short Term Finance Ltd. (inactive) 4.79 from 322 reviews

Want to see more from Zopa?

Cash ISA
from Zopa 4.95 from 1539 reviews
Current account
from Zopa 4.94 from 5951 reviews
Smart Saver
from Zopa 4.94 from 8051 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