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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)

Such a well designed customer experience to simply applying for a loan.

A really simple, well thought out and fast process for taking out a loan, coupled with excellent rates. Would recommend to all. Reviewed on: 23rd December 2016

Great rates,Easy, thorough and quick

Nice and striaght forward way to get a loan. Liking the flexible ways to pay Reviewed on: 23rd December 2016

very pleased to have found zopa

I found zopa when looking for a loan to buy a new engine for my boat, I now have some money invested with zopa and very happy with interest rate and also with weekly update Reviewed on: 23rd December 2016

Accessible and fair

When your struggling the financhal vultures are there to pick at you asking for hundreds or thousands in Apr, while those banks who can help, sit in ivory towers helping the rich get richer ignoring you, Zopa helped me with a fair deal and easy to understand. Would recommend in an instant, Reviewed on: 23rd December 2016

Quick and easy loan

I have taken out loans with Zopa on a few occasions and found the process to be easy and a quick transfer of funds directly into my bank account. Their rates have been very competitive. I would defiantly use them again. Reviewed on: 23rd December 2016

Easy , flexible and affordable.

Really easy to set up! You're able to see how much it's going to cost you over various periods of time. I've paid off a bit every now and then and I'm able to see my monthly payments reduce immediately. I've taken out 2 loans and would definitely go with Zopa again without looking at other providers. Reviewed on: 23rd December 2016

Personal service at the best rate

Was a piece of cake to arrange a personal loan with Zopa. After the initial application, everything was followed through with calls from a single representative with no hassle at all. All this and at the best rates around. Reviewed on: 23rd December 2016

Quick and easy

Great easy to use web site. Will use again in the future. Reviewed on: 23rd December 2016

Fast, Simple, Fair, Low rates

With the BoE interest base rate so low why pay the extortionate rates that high street banks charge. Zopa charges a fair low rate and the decision process is quick and simple. Yes it is true you need a really good credit score to be accepted but to be honest you shouldn't be considering a high value loan if you do not have a great credit score. Reviewed on: 23rd December 2016

Fast Efficient and Great Customer Service

I was bowled over by the fast efficient and helpful service I got from zopa when I needed a car loan and the interest rate is the most competitive one available from a reputable company. I would definitely recommend to all my friends and family. Reviewed on: 23rd December 2016

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