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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)

Good to deal with

Taking out a Zopa loan was very quick and easy, and I got a good rate of interest. The only thing to be aware of is if you change banks, make sure it's well in advance of your Zopa payment date. My swap date was just a few days before payment and I didn't know that Zopa couldn't process it that quickly. Fortunately they called me straight away and I made that month's payment by debit card. So good customer service. Reviewed on: 22nd December 2016

Couldn't be any easier

Fast and troubles free experience. Excellent service! Reviewed on: 22nd December 2016

Fantastic company

Even though I have the highest possible credit rating, I struggled to get a loan for my wedding, Zopa asked me a few questions and gave me the loan at a fantastic rate, I would recommend them to everyone . Reviewed on: 22nd December 2016

What is there not to like?

Everything about my experience is positive, from applying to receiving to following your progress on their website. Within no time at all I was accepted for a loan at the lowest interest rate that could be found across the market. The Money was transferred seamlessly into my account and my onward car purchase went through straight away. It is so easy to navigate their website so that you can keep track of your loan too. What is there not to like? Reviewed on: 22nd December 2016

simples

Very straight forward and speedy application process. Reviewed on: 22nd December 2016

The best loan company there is..

If I could, I would of selected all of the options for this review, as I have to really make comment about all aspects of it. I stumbled upon Zopa when looking for a loan to buy a new car and if I'm really honest, it's the best thing I did. Zopa is unlike any other loan company id seen, very low interest rates, great terms, their customer service department is surprisingly good, considering that you usually expect a call centre nightmare call from hell. They kept me in the loop with email notifications, and the website is so easy to navigate that you never have any trouble knowing what you're doing. It's also the first lender that I have seen who also give you the ability to help others by lending money yourself through them for others to use in their own times of need. An aspect that I really think is good. I would completely recommend them for anyone who is looking to get a loan. Reviewed on: 22nd December 2016

Great customer service and low interest rates!

I initially took out a smaller loan with low interest rates with Zopa to facilitate a car purchase, after reviewing my finances and confirming I could afford a better car I decided to return the loan and take out a bigger loan with Zopa, the interest rate remained low. They're customer services were very helpful and provided me with clear instructions as to how to return and close the initial loan. I'm still very chuffed I found Zopa and didn't get fleeced from a Finance company. Better yet it's a very flexible method to purchase a car and pay with monthly installments - I can sell the car if I wanted to and close the loan without any early repayment penalties. Reviewed on: 22nd December 2016

Easy and Good Rates

Competitive rates, easy to apply and manage online. The information given is cleàr and helpful. Reviewed on: 22nd December 2016

great loan suppliers

Very helpful and great interest rates Reviewed on: 22nd December 2016

Super fast service, everything a lender needs

I was looking for good rates and be able to pay off early without fees Reviewed on: 22nd December 2016

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