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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

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4.91

Based on 69,091 reviews, last reviewed 25th Jun 2026

63% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Smooth application, good communication They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted, everything ... Read more Reviewed on: 25th June 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 (69091)

Zopa are a fantastic lender and I would highly recommend them to anyone!

I found it extremely easy to both take out a loan and get a topup recently so I am very very pleased with Zopa. Their service is first class and I have never had any problems. Reviewed on: 19th December 2016

Quick easy loan!

Took out a loan to clear some debt in one hit. Very easy process, everything was very clear. Very happy! Reviewed on: 19th December 2016

Keep out the fat cats

Easy to use, good rate and good to know real people are benefiting Reviewed on: 19th December 2016

Great company

Fantastic customer service and great rates make Zopa the only company for your next loan Reviewed on: 19th December 2016

Zopa loan

Fantastic website, loan was so easy to arrange and very quick excellent customer service, so helpful. Reviewed on: 19th December 2016

good interest rates and clear lending

The whole process was easy and very clear to use . Good interest rates and the whole process was quick and clear Reviewed on: 19th December 2016

Value when highstreet banks wouldnt help

Zopa helped me get a loan for a car, so that I could continue to get to and from work when mine finally packed in. I tried the big name highstreet banks, but their interest rates were crazy or they wouldnt help out as I hadnt built up much credit yet. Nearly a year on and Im still very happy with the deal and service. Thank you! Reviewed on: 19th December 2016

The best place to get a loan

I have used Zopa several times over a few years and they are the lowest rates and just very easy to use. Its a win win situation as far as I can see. Reviewed on: 19th December 2016

Super Easy to use and fair rates

I found using the Zopa website a no fuss and intuitive experience and the team a pleasure to deal who answered any additional queries how this structure of loans work. After looking at many other options I found Zopas' rates and terms very reasonable and this with the ease of using there website made them a hassle free and confident choice for my personal loan needs. Reviewed on: 19th December 2016

Beat the banks

My own bank wanted a robbing 21% APR for a 'small' personal loan - for a good, reliable, never overdrawn customer with great credit rating, step in Zopa with an APR of less than HALF that - easy to set up, no nonsense and up front approach to the whole process - absolutely brilliant! Reviewed on: 19th December 2016

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