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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)

Review

Simple process no hassles in any of the process. They aren't as competitive as they used to be though. Reviewed on: 20th December 2016

Excellant service

very quick to respond, helpful but also check to make sure that loaning will not result in financial problems for the borrower. I prefer to use zopa for loans instead of my high street bank that I have my current account with. I really like the fact that there are no early redemption penalties as well. Reviewed on: 20th December 2016

Flawlessly simple to arrange and set up, second to none

I have used Zola on two occasions and I have to say the whole process from application to receipt of funds was flawless, no issues and no hold ups, quite simply if you want a loan don't look elsewhere. I've paid both my loans back early and on both occasions I incurred NO early penalties and once again the process was simple and very efficient. Reviewed on: 20th December 2016

Easy to apply, great rates

Found Zoppa easy to use and got a great rate on my loan. Was also very easy to pay off with no extra fees! Reviewed on: 20th December 2016

Would definitely recommend for a loan

easy to deal with and good rates Reviewed on: 20th December 2016

Grear service, fantastic idea for lenders & investors

I've taken a couple of loans out with Zopa to date. I was immediately drawn to the company due to the lending arrangements and also the investment opportunity (I was happy knowing that I was helping other people receive a reasonable ROI rather than the larger corporations & would definitely look to become an investor in the future. Since having the loans I have always found the customer service to be great as well as the interest rates really competitive. Reviewed on: 20th December 2016

Simple, Personal borrowing

Zopa's lending service was very straight forward, with very competitive fixed rates. The option to top up your lending or pay off early without any hidden charges is what made me choose them. Also the awards they have previously won shows that they are very respected in their industry, and make them very appealing to borrow from. Reviewed on: 20th December 2016

Best by far

Can't beat Zopas interest rates,none of the big banks can get near them.You get a quick decision plus website is so easy to use.Have used Zopa twice now and always recommend them to friends and family. Reviewed on: 20th December 2016

Qucik, easy, clear and concise

Tremendous service from start to finish, and that was a very short time! The application was quick and easy. No need to send anything away and I got an offer within an hour or so. It was a much better rate than I was getting from my own bank, who I had been with for a decade and a half. I did some research to make sure the site was for real because it seemed too good to be true. Everything checked out of course, and the reviews and ratings really do reflect the excellent service they provide. Don't hesitate, do it today! Reviewed on: 20th December 2016

Great help when you need it msot

easy to use and navigate, quick response and fast payments. hassle free. Reviewed on: 20th December 2016

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