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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (68045 reviews)

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4.94

Based on 68,045 reviews, last reviewed 16th Mar 2026

273300% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Reliable and Efficient Great and fantastic, quick to resolve your problems. Reviewed on: 16th March 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 (68045)

The one!

Very easy to apply for a loan, all costs are shown & easily understood. Much cheaper than high street banks. Definitely THE one who everyone else has to beat! Reviewed on: 19th December 2016

Great rates and terms

I took out a loan with Zopa to pay off a bank loan due to the far better rates on offer. The process was quick and easy and the ability to manage overpayments online was impressive. Reviewed on: 19th December 2016

Clear and straightforward application process

We chose zopa because product (a loan) offered us best value and their website was excellent and easy to use. Reviewed on: 19th December 2016

Great

Really fast and no hassle and I can do early repayments if I want to. Reviewed on: 19th December 2016

Great service

I had an excellent experience with Zopa, I needed some money until I could remortgage so being able to spread the payments out over a time that meant I could afford but also pay off when I needed to was fantastically flexible Reviewed on: 19th December 2016

Good service with no trouble

Good overall service no trouble and easy to apply Reviewed on: 19th December 2016

Fantastic concept and execution

Love the idea of p2p borrowing. Zopa offer a truly transparent view of your loan too through their site, down to the individual lenders who have lent the tiny bits to make up the whole loan. Once mine is paid off I'll be looking to lend with them as their return rates look impressive! Reviewed on: 19th December 2016

So quick and easy

I came across zopa whilst searching for a loan via credit expert I applied and I was amazed how fast it was accepted and deposited into my bank I will certainly use zopa again without hesitation Reviewed on: 19th December 2016

Great interest rates, very simple process and fast payment.

Great interest rates, very simple process and fast payment. No issues at all so would highly recommend. Reviewed on: 19th December 2016

The Best

This is the best bank in the uk. I recommend to everyone. it is worth to take out a loan. Reviewed on: 19th December 2016

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