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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, simple, no fuss and cheaper than the rest

I applied for a £10K loan for home improvements. The rate was half that of my own banks best deal. I got a speedy decision and the money was in my account with a few days. This was the most hassle free and affordable loan I've ever had. Will use this service for my next car purchase too. I would/have recommend this to family and friends. This is the way forward. Reviewed on: 19th December 2016

It's changed my life 110%

That day I really needed money and zopa was the only one who decid halp me and I am very hapy and glad.thank you very much Reviewed on: 19th December 2016

Zopa is the way to go

Excellent service smooth, easy application, acceptance took only a few minuets Reviewed on: 19th December 2016

Car Loan review

Great service, good rates..no fuss Reviewed on: 19th December 2016

Very fast process of application and decision

I have 2 loans with ZOPA and both were processed with speed and efficiency thereby leading to me being able to make a very astute financial decision that will benefit my family for some time. Staff post application have been very helpful and the advice given second to none. Should he situation arise again i shall have no hesitation to turn to ZOPA for further help. I also recommend this service to other potential applicants. Reviewed on: 19th December 2016

Fantastic service at amazing rates.

Fast decision was made with money in my account with no hassle. Topped by very competitive rates. The whole process feels secure. When better rates became available I was notified with clear no penalties process explained. Reviewed on: 19th December 2016

Great rates

Was easy to apply. Good rates. Easy to check balance and make extra payments. Reviewed on: 19th December 2016

Easy borrowing, great service

From the start to finish, an intuitive and fast online experience, complimented by an excellent customer experience offline when I wanted to call them to ask some additional questions. We will definitely be recommending this 'no fuss' provider. Reviewed on: 19th December 2016

Excellent fast service

Excellent quick service and money in the bank very quick. Reviewed on: 19th December 2016

great loan rates in minutes

So simple no hassle just easy user friendly forms Reviewed on: 19th December 2016

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