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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)

Quick, easy, affordable

I've used Zopa twice now to obtain loans. The whole process was fast and painless. The first loan helped me consolidate debts following a difficult and stressful divorce, which in turn provided the base from which I was able to recover my credit score. The 2nd loan was for unexpected car repairs just before Xmas. On both occasions the customer service experience was first class and both applications we're thoroughly vetted before being approved. Zopa are honest lenders that only lend what you can afford. I would recommend them highly. Reviewed on: 20th December 2016

Quick and Efficient

Great turn around from initial application to approval. The loan was for the purchase of a second car and was in my account within days. Having shopped around, Zopa was the cheapest and I would recommend Zopa to anyone. Reviewed on: 20th December 2016

Efficient

Incredibly simple, fast and reliable service Reviewed on: 20th December 2016

Zopa loan

Trying to buy a car wasn't easy but having to choice the right loan company was even harder. With zopa it was easy and straightforward. After completing the online assessment, I actually found out that they had the best interest rate out of loan companies I searched for. You have a choice of how king to return the money with a maximum of 5 years which suits my situation and speak to their staff on the phone, she was very helpful and explained everything which was unclear to me at that time Reviewed on: 20th December 2016

Easy, fast and responsible

Very easy, very fast and affordable Reviewed on: 20th December 2016

Excellent rates. Thanks guys!

I am glad that I took this loan with Zopa. I have recommended it already to all my friends,family and work colleagues. Reviewed on: 20th December 2016

Loan to buy a car

The website was user friendly and the loan process was quick and easy. Received the money within 48 hours. Reviewed on: 20th December 2016

Zopa is the best and probably the easiest way to borrow money

The application is simple and the calculator will help you set the best repayments for you. Definitely the best choice, with excellent interest rates. Immediate access to your money, outstanding! Reviewed on: 20th December 2016

Does what it needs to do well

Easy, reliable and understandable Reviewed on: 20th December 2016

Easy

So simple to apply and ultra quick! If only everything were as quick and easy as applying for a Zopa loan! Reviewed on: 20th December 2016

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