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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)

Fast efficient and flexible service

Polite, on the ball, highly professional and responsive to my needs. Thank you. Reviewed on: 19th December 2016

Zoos have been a breath of fresh air. Easy and approachable loan company

I have had 2 loans, the first I paid back early with no penalties or difficulties. The second is current and was easy to organise and get. Thanks for a great experience so far Reviewed on: 19th December 2016

Perfect answer for perfect loan with perfect rate and perfect service.

Very easy to arrange , fast to arrange and with a decent interest rate. Can view account any time. Excellent service. Reviewed on: 19th December 2016

Good service

Easy to arrange and good interest rates Reviewed on: 19th December 2016

Wasn't for me

Paid off after 30 days and paid £800 in fees .recommend by experian your apr 18% found another provider at 7%. Never again Reviewed on: 19th December 2016

Simple, Affordable &Trustworthy... what more could you ask for?

The title of this review really does say it all. Simple, Affordable and Trustworthy; three words that describe Zopa to a tee. Whether it be their user-friendly website or their helpful and dedicated customer support team. From their transparent and easy-to-understand fees to their greatly competative rates. Zopa has it all. As a customer of Zopa, I really couldn't recommend them highly enough. This is lending in plain, straight talking English. And with the option to payback your loan early if you so wish without any penalty, this company certainly is the real deal. So as cliché as this may sound, its a 10/10 from me. Reviewed on: 19th December 2016

Quick easy and honest

Great experience and very professional Reviewed on: 19th December 2016

Zopa delights with its simplicity and ease

I've been pleased to use Zopa twice for taking out a loan for the best of reasons and the simplicity of the experience sets the bar extremely high not just for loan providers but for online services everywhere. It's the ease of application - including the lack of adverse credit history footprint just for exploring - that is the real wow, but the ease of early repayments and other online services are also great. In addition to the great online services, when I did need to phone (I made a mistake on the second application that the online service picked up on) I got through instantly: no queue, no 'press 2 if your name is Bob'. Very impressive. I'm a CIO and they've inspired me to consider how to better my own services. Reviewed on: 19th December 2016

It's a very genuine company with good approval rate and customer friendly.

I application was accepted immediately and the amount came into account within no time. Reviewed on: 19th December 2016

Brilliant

Brilliant experience. Not high interest rates Reviewed on: 19th December 2016

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