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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)

Cheap and cheerful

Zopa was easily the cheapest loan available to me but they also offer an excellent service. I always recommend them to family and friends. Reviewed on: 30th May 2017

Fast excellent service

Quick turn around positive communication thank you Reviewed on: 30th May 2017

Fantastic place for lenders and borrowers

What a fantastic idea. A safe place for those to invest and a great rate for people to borrow. A simple process to borrow, repay or overpay when you want. Complete control for everyone. Reviewed on: 30th May 2017

Easy to use with great rates!

I applied for, and took, a three year loan which I have now paid off. The process was easy to apply for and manage my loan, and the friendly customer service is a credit to Zopa! I would use again over other suppliers even if their rates weren't as competitive. Reviewed on: 30th May 2017

Perfect

My first ever loan, Zopa made it so simple and easy for me, great rate too, 100% recommend! Reviewed on: 30th May 2017

Very easy and efficient company

Took slightly longer to get my application agreed than with other companies I have used in the past but I guess this was a good thing in terms of getting everything looked into properly. Have been very efficient since using them and have only experienced good customer service. Reviewed on: 30th May 2017

Easy, great service, all round great provider

The application was easy the money was in my bank within a few days like they said. I ask to change my bill date and the service was great, was no problem at all. Genuinely a really good service any time I've called and they didn't mess me about at any point. Thumbs up from me. Reviewed on: 30th May 2017

Great, friendly customer service and reasonable rates

Applying for my loan with Zopa was so simple and it's really easy to access your payments to find out how much you have already paid. Their customer service team is really friendly too. Reviewed on: 30th May 2017

Guest experience

Nice and quick service. Swift credut check money on the accoubt in 3 days beilliant. Even without the need to borrow my partner took a load to build up credit history. Same feedback. Reviewed on: 30th May 2017

Excellent service

I've been using zopa for the last few years. So easy to use and always provide brilliant service. Highly recommend. With low rates. Reviewed on: 30th May 2017

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