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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)

Why go anywhere else?

So easy and such a great idea, have recommended to friends looking to borrow and invest. Reviewed on: 20th December 2016

Fast service and not bombarded with communication and offers

Zoopa provide a great service and make it as easy as possible and as painfree as possible to set up the process! Really pleased thanks Reviewed on: 20th December 2016

Fast, efficient and best value!

Taking a loan with Zopa was very smooth, efficient and with very competitive rates. I was also able to phone them and check the progress of my application. Reviewed on: 20th December 2016

Brilliant, Speedy, Excellent Customer Service, Really Easy To Use

Brilliant, Speedy, Excellent Customer Service, Really Easy To Use. I have 2 loans with Zopa of which 1 will shortly be completed. Reviewed on: 20th December 2016

Amazingly easy

It was easy to get the info in and then get an answer. Paperwork automatic and online. Reviewed on: 20th December 2016

Easy to apply for and quick availability.

I was a little nervous about applying for an online loan but Zopa were fantastic. No hesitation in recommending them as a provider and would certainly use them again. Reviewed on: 20th December 2016

Excellent service

Easy straight forward application. Money received quickly. Great interest rates. Brilliant staff on phone if you ever have a question. Would definitely recommend Reviewed on: 20th December 2016

Excellent rates and and super fast payout.

The interest rate compared to other providers and my own banks had a very big difference. Obviously I went with Zopa and I have to say the customer service provided was excellent. Reviewed on: 20th December 2016

Great service, easy to use, fast result

I applied for a loan in October and was given a decision almost instantly, with the money being transferred into my account in a matter of days. The online account facility has allowed me to manage my account effectively without the need to wait in long call queues, etc. So far, so good. I would definitely recommend Zopa to family and friends. Reviewed on: 20th December 2016

Amazing rates, easy to use

Offered the lowest APR I could find. Applying was simple, and the website is really easy to use. You can do things like make additional payments and change the direct debit date easily through the website. Reviewed on: 20th December 2016

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