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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (68051 reviews)

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4.94

Based on 68,051 reviews, last reviewed 20th Mar 2026

273800% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

FAST AND EFFICIENT EXCELLENT SERVICE MADE EVERYTHING... FAST AND EFFICIENT EXCELLENT SERVICE MADE EVERYTHING EFFORTLESS WOULD DEFINITELY COME BACK AGAIN Reviewed on: 20th March 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 (68051)

Really easy and quick

No hassle and they treat you like a person not a number. Reviewed on: 19th December 2016

3rd time borrower...can't be bad

Zopa make borrowing and repaying very easy. In fact, over the last 10 or so years I have borrowed money from a few different providers and none have given me the ease of owning a loan than Zopa. I can pay back all owed should I choose with an instant settlement offer online, I can make extra payments with a instant description of the impact of the payment such as a reduction in monthly payment. Even when applying they tell you what rate they can offer before you agree you actually want the loan based on credit score (initial soft search required). All in all when/if accepted Zopa have given me the most manageable credit I have ever had and cannot recommend highly enough. Reviewed on: 19th December 2016

Helpful loans

Zopa were there when we needed them the most. Interest rate and overall quick and easy service was impeckable. Already recomended them to friends because we were pleased with there loan services Reviewed on: 19th December 2016

Reliable loan at a sensible price

I transferred a loan to Zopa from another regular high street lender, the process was easy and quick and by retaining the old monthly payments, the resulting new interest rate knocked over 2 years off the repayment period! I wish I had done it a year earlier!! Reviewed on: 19th December 2016

Easy and high speed.

I have used Zopa twice now and both occasions Have been so simple and speedy. I cannot recommend Zopa enough. P.Reid-Holgate. Reviewed on: 19th December 2016

Easy fast loans

Really easy no fuss way to get a loan. Money in bank within couple of days. Amazing Reviewed on: 19th December 2016

Simple process,great loan rate

I found the entire process in obtaining and finalising my personal loan so simple and exceptional in completing the transaction Reviewed on: 19th December 2016

Excellent Rates, excellent service !!

Very easy process throughout the entire application. Reviewed on: 19th December 2016

Simple and easy like my women

Was as simple as 123 to got the loan few clicks and wam bam thank you mam had the cash easy to set up not like a cheap Chinese tv so would rate top marks good on you:) thanks Reviewed on: 19th December 2016

Better than high street banks

The whole of Zopa is brilliant there has been times where I couldn't get any money from anywhere and when I found Zopa on the internet and started my application off I just couldn't believe that they would let me get a loan with my credit background. Reviewed on: 19th December 2016

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