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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)

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

Very fair loan :) ...smart

Having bought our first house with a second child on the way my partner and I had little money to double glaze the new house. We borrowed money at such a low interest rate it's really cool. Happy with such low 'profit margins' whoever owns the company obviously isn't greedy and deserves lots of business as a result. A real help to our young family :) good day Reviewed on: 20th December 2016

Much better than my bank

Great service, great interest rates. Reviewed on: 20th December 2016

All round "Top Company"

Very easy to apply, quick decision & payment Reviewed on: 20th December 2016

A useful resource

I needed a loan straight away. Zopa provided me with a service second to none. I was vetted, approved and funded all within 48 hours. Highly recommended. Reviewed on: 20th December 2016

Fantastic, hassle free loans

We applied for a Zopa loan to buy a camper van. This was one of the fastest and simplest applications I have ever done. All completed on line within 10 days with amazing rates too. Perfect hassle free service. Well done Zopa Reviewed on: 20th December 2016

Loans

The repayments seem ok, but large arrangment fees to start cancel this out Reviewed on: 20th December 2016

Amazeballs

Great just great! Would use again. Reviewed on: 20th December 2016

the best rate in the market.

After taking a comsiderable time looking for the best rates Zopa came with an unbeatable offer and brilliant services, no hassle. Strongly recommend. Reviewed on: 20th December 2016

Easy as ABC

I was looking for a loan in order to purchase a van that I wanted to convert into a camper van. After checking the interest rates with all the regular high street lenders; I decided to check out the Zopa website. I was amazed at how clear and straight forward it was to use. My loan was agreed within two days and at a much lower rate that I had been offered by any other lender including my own bank who I have been with for over 25 years. Reviewed on: 20th December 2016

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