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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

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4.91

Based on 69,091 reviews, last reviewed 25th Jun 2026

63% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Smooth application, good communication They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted, everything ... Read more Reviewed on: 25th June 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 (69091)

Smooth!

Very smooth process from applying to receiving my loan Reviewed on: 20th December 2016

Quick, easy, no messing, great low interest rate too

I initially used a compare site for my loan, I looked at zopa which came up in the top, it was quick and easy to decide how much I need compared to how much I can afford to pay back. Taking the loan was so simple it took me minutes to apply and I was quickly approved and the payment was quick to come through Reviewed on: 20th December 2016

The Cheapest Option Available

Of all the options (including big banks like Barclays whom I'm with), Zopa was the most affordable option. That's all there is to say really. Reviewed on: 20th December 2016

Excellent Company to deal with - Highly Recommended

The Company and an excellent website which is user friendly and easy to use - I have taken out a couple of loans with Zopa, in the last few years, which were online applications - really easy. Reviewed on: 20th December 2016

Simply brill.

Excellent rates/service and so easy to use.In this day and age when all people want to do is rip you off its so refreshing to deal with a company who are only interested in the satisfaction of me. Reviewed on: 20th December 2016

Lightning fast

Really easy to deal with, backed up with great customer support. The team made a really quick decision on the loan and the money was available really quickly. Have used zopa before and will use again Reviewed on: 20th December 2016

The Complete Package

The whole package is nothing short of spectacular. The language, the tone, the clarity... the interest rate... the ease. Genuinely the best money related experience I have ever had. I really don't know why we have put up with high street banks for so long. Reviewed on: 20th December 2016

Great service

From the application through to the money in the account, effortless. Reviewed on: 20th December 2016

Swift efficient and good customer service

Very good loan provider. Good rate quick deposit and great customer service. Fully recommend Reviewed on: 20th December 2016

Quickest hassle free personal loan to buy a car

Needed a loan urgently to buy a new car, from the minute I googled for it and the time it was in my bank, was a matter of a couple of hours in the evening. It is easy to understand the terms and easy to repay! I got a lower interest APR than my savings interest so it made perfect sense for me! Reviewed on: 20th December 2016

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