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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)

Just simply brilliantly friendly realistic, affordable, no frills or nonsense loans

Just really like the ethics, the investors, the entire peer loan, win/win situation that provides a chance to become involved as both a lender and a borrower. Brilliant!!! Reviewed on: 20th December 2016

Brilliant

Simple, stress free and always great service. Reviewed on: 20th December 2016

Speedy and hassle free

Got a great rate (as advertised, and beating my existing banking provider) paid for fast service and this was excellent ... money into account in a matter of hours. Payment arrangements were made efficiently and all correspondence has been very clear and received in a timely manner. Reviewed on: 20th December 2016

Hassle free loans at the best rates

I was looking for a loan to buy a car and most of the bank rates were pretty much the same, but not only was Zopa's rate lower the terms were better and after deciding to go for it a decision was made almost instantly and the money was in my account within 48 hours. Best financial decision I've made (shame I didn't get such expert advice on the car!). Reviewed on: 20th December 2016

Great simple service

Very quick and easy with great customer support! Reviewed on: 20th December 2016

Very convenient

I needed a small loan for a home improvement, and I was very happy with how convenient I found Zopa's service to be. Reviewed on: 20th December 2016

Zopa loan

Easy straightforward application process, amazing interest rates and brilliant customer service keeping you updated with your application. No issues at all and would recommend to anyone needing a loan. Thanks Zopa! Reviewed on: 20th December 2016

Best rates

Zopa was very easy to take out a loan and the rate offered was better than any of the other competitors. Reviewed on: 20th December 2016

Simple application, excellent rates

Hassle free application process, love the way that my loan was funded by members, plain-speaking communication, a very personalised service and great interest rate too. Reviewed on: 20th December 2016

Simple and great value

Taking out the loan was very simple, unlike some loans the interest rates are true, there are no hidden cost. I have looked at other loans that are advertising lower interest rates, but have found the the total amount to be repaid is 100's of pounds more. Contacting Zopa to find out the status is so easy. I was put off slightly as I do like the face to interaction you used to get in a back, but them days are gone. So pleased I took the plunge and went for a Zopa loan, I have had many loans in the passed, this has been the best by far. Reviewed on: 20th December 2016

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