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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)

Simple, ethical, savvy!

I chose Zopa because I wanted an ethical way to borrow and I was prepared to go through a more involved process to get it - but it ended up being simpler than applying to a traditional lender. Communication was clear and timely, and the overall cost of the loan is extremely competitive. I don't hesitate to recommend Zopa and they'll be my first choice in future. Reviewed on: 21st December 2016

Hassle free loans

I have used Zopa twice in the past and find it is a hassle free experience, you are told promptly if you are suitable for a loan, the funds are delivered fast and the loan rate is excellent, a lot less hassle than most banks, would always use Zopa as the first place to go when needing extra funds for a big project, keep up the good work....... Reviewed on: 21st December 2016

Loans made easy

Simple, great rate and easy to deal with. Reviewed on: 21st December 2016

Brilliant!!

Twice I have had a loan from Zopa now and both times have been great. quick and easy, and money in your bank :) thank you Zopa Reviewed on: 21st December 2016

excellent

I dont have the best credit history but zopa made it easy, no lengthly questionaires or waiting times i couldnt believe has quick the loan went through. i would defo recommend to all friends and family. Reviewed on: 21st December 2016

Better than my own bank

Taking out a loan was really quick and easy compared with my own bank. Reviewed on: 21st December 2016

Fast, easy and hassle free

I've not been the best at managing my finances this year and was in a tight space. With Zopa, I applied for a small loan and had a response back fairly quickly. The money was available in my account the next day. Thanks to the lenders of Zopa, I got out of a tight gap quickly, no hassle and an incredibly reliable service. Would use again and recommend to friends. :) Reviewed on: 21st December 2016

Very good

Fast service, amazing constumer service Reviewed on: 21st December 2016

excellent quick service

Excellent service all round with common sense decision making. Reviewed on: 21st December 2016

Reasonable Apr, quick and easy to apply and in my bank in 3 days HAPPY ME

5 stars, start to finish, 100% HAPPY & would recommend to anyone who asked or talked about loans Reviewed on: 20th December 2016

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