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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)

So simple & easy to apply

No trick questions so long as you can afford monthly repayments it's easy Reviewed on: 19th December 2016

Great experience

The process was quick and easy. The website was easy to navigate. . Zopa communicated throughout and offered a fantastic rate. Reviewed on: 19th December 2016

Great loan provider

Easy to apply, competitive rates, great service Reviewed on: 19th December 2016

Easy, straightforward application

I wasn't asked any uncomfortable, irrelevant questions during my application Reviewed on: 19th December 2016

Fast, hassle-free, fully transparent, and best interest rate available - what's not to like?

After first hearing about Zopa on BBC Radio 4 'Money Matters' programme, I decided to check their offering out. I was after a small-ish loan to give me some capital to pay up-front for an academic course, but out of principle I didn't want to entrust the banks with my money. The screening and aplication process was incredibly simple and swift, and the clear explanations around both their P2P model and their T&Cs gave me confidence to apply. The terms and % rate offered were much better than those I found on the high street, and been given the flexibility to repay early or change my monthly amount without financial penalties has made a world difference. Essentially, I feel the peace of mind od having borrowed a few quid from a whole lot of people I can trust and whom I am happily paying back every month without it being a worry. I would definitely recommend that others check out Zopa before going for traditional borrowing, as they too may be pleasantly surprised! Reviewed on: 19th December 2016

Better company

Easy way for a Loan . Simply andFriendly Reviewed on: 19th December 2016

Easy lending!

Easy and fast application for a loan. Great service overall and would definitely use again :) Reviewed on: 19th December 2016

Easy going flexible company. Highly recommended.

Zopa are a fantastic company and other should take note. This is how you do business and get repeat custom. Reviewed on: 19th December 2016

An easy and understandable way of borrowing money

A fantastic website, really easy to use & navigate my way around it. This is very important when it comes to looking to borrow money. Everything was explained from the amount, the repayment, the APR and the repayment dates. A very comfortable way to explain things. The way the T&V's are laid out are great, especially the parts about any FAQ's and good to see they are authorised by the FCA. Well done ZOPA ! Reviewed on: 19th December 2016

Good company to deal with!

Very efficient with all communication and setup. Easy to use, would recommend to anyone! Reviewed on: 19th December 2016

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