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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)

Safe and easy

Excellent experience, Zopa, have very helpful staff, who make borrowing money an easy transaction, would highly recommend this company. Reviewed on: 20th December 2016

Zopa loans - simple and quick

Easy to complete application with a decision in minutes - great! Reviewed on: 20th December 2016

loans that are easy to apply for and understand.

I recently took out a loan using the zopa site, after comparing many website this company offered one of the best interest rates and applying online was very easy. The straightforward process was simple to follow and all the costs were clearly visible. One of the best features is being able to access your information at any time and you can monitor your payments so you know your up to date balance. When I applied my payment day did not match my salary date but with one simple request to change this was updated to suit my needs. I would highly recommend to friends or family looking to borrow in the future. Reviewed on: 20th December 2016

It was really easy to apply for my loan and I was kept up to date with everything with my application. The funds were transferred really quickly and I can track my loan online on Zopas easy website.

Happy customer - definitely recommend Zopa Reviewed on: 20th December 2016

fast, friendly and easy to use

I was offered a loan at a very fair rate, even though I was struggling with credit, the website is simple and easy to use and the team keep you informed every step of the way. Reviewed on: 20th December 2016

Easy and Brilliant loan

The loan I needed was perfect for me, fantastic rates for the amount they offered me, I have never worried about missing a payment and would dedicate use them again in the future Reviewed on: 20th December 2016

SIMPLE LOAN AND EASY TO SET UP

THIS WAS VERY QUICK PROCESS AND EASY TO FOLLOW LOAN Reviewed on: 20th December 2016

By Far The Best

My husband and myself have both taken loans with Zopa, my husband h has had two with them. They are easy to fill in forms and rapid response which is what you want. Would definitely recommend them and would use them again. Reviewed on: 20th December 2016

Life saver!!!

A while back, I needed to take out a loan just to consolidate my short term debts(payoff car,credit card etc). I checked with my bank-how dissappointed was I when they didnt offer me anything-I had zero possibility of borrowing from them. I then thought its my fault-so went to check my credit score on noddle-thats how i came accross Zopa. Credit score was excellent,so definitely not my fault! I then proceeded to do an intial application and got accepted!!! 3.6% interest!!! My bank could not have offered that to me in a million years! So yed, they definitely need to win the award because they are about customers and how they can help them and not just profit!! Reviewed on: 20th December 2016

Great rates and excellent service

Taking out the loan was so straightforward and quick. Rates are excellent. Highly recommended. Reviewed on: 20th December 2016

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