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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)

Zoptastic

I cannot praise the service I received enough. It was straight forward quick and easy Thank you I will definately use you again if I need a loan Reviewed on: 29th December 2016

Zopa takes the stress out of loans

My husband and I have taken out numerous loans with Zopa all at very competitive rates. It's always very straightforward. At times we have even taken advantage of the freedom to overpay or pay a loan off early. Can't recommend them highly enough! Reviewed on: 29th December 2016

Very quick and simple, with great rates!

Needed 3k to fund a much needed new car and found this loan from Zopa on Moneysavingexpert very highly recommended. It was super quick into my account and there was basically no hassle at all. I would certainly recommend. The rate and period of pay back is very reasonable. Reviewed on: 29th December 2016

Amazing experience with great interest rates

Never had to worry about a thing especially with the easy access website and app Reviewed on: 28th December 2016

Great facility.

Great to be given a loan for a % share in my property so quickly! Thank you Zopa I am totally happy with the quick, simple and successful process that gave me just what I needed. Thank you once more. Reviewed on: 27th December 2016

Superb service

A very quick response after a no nonsense application. Great service and a quick decision. Very competitive interest rates. would highly recommend Reviewed on: 27th December 2016

Personalised, professional and credible

Hi, Had an excellent personalised dealing with Zopa. They had to take a measured risk with me due only starting a new job but they gave me several reviews and finally accepted my application. Zopa is a bank who will take measured and calculated risks Reviewed on: 27th December 2016

Simple, fast and fair rates

Simple and easy to use website, would benefit from an app but the whole process is user friendly Reviewed on: 27th December 2016

Loan

Zopa is good and it's helps when needed Reviewed on: 27th December 2016

very satisfied

I had a loan with halifax, my regular bank, for about £7,500, with interest of about 4.3%, and a car loan through santander for about £7,000 at about 4.9%. I applied to the halifax to combine my 2 loans, and they wanted to up the interest rate to 23%. Being a long time customer, i was disgusted, and so searched the internet, and came up with Zopa at 3.something %. How can they do something my bank can't, or is it just taking the mick out of regular customers to boost their profits. In my opinion, the big banks have got away with fleecing their customers for too long, while paying big bonus's to inneficient staff. A new company like Zopa could shake up the whole system and do us all some good, after all, without their customers they would be nothing, so why fleece them in the first place. It can only be greed. Reviewed on: 27th December 2016

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