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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)

very flexible , fast and secure

it is easy to control your loan and how quick you can pay it off and is delivered fast into your account from the moment you apply Reviewed on: 19th December 2016

Super swift service - hassle free borrowing to make your dreams come true!

I found Zopa online & was immediately drawn to the peer-to-peer concept of lending. I planned on getting the money for a horse trailer, to safely transport my pride & joy the length & breadth of the country for shows & country fairs. An online application, a phone call & the money was in the bank. Agreed affordable payments left my account & I was able to view my loan progress online via the very straight forward & helpful website. I have now completed my loan & would highly recommend the service to ANYONE! Reviewed on: 19th December 2016

Zopa - fast, friendly and good rates

All done online in a polite and swift manner. Got me the rates that I wanted, plus gave me options to consider Reviewed on: 19th December 2016

The best personal loan on the market

I searched for a while on the market until I came across zopa. The service was quick and I particularly liked the fact that there was no early repayment charges. The interest rates very also very competitive. Reviewed on: 19th December 2016

Very accessible

Great rates, very transparent and a user friendly website. Reviewed on: 19th December 2016

Easy, fast and cheap. What else could you ask for?

I needed to borrow some money to buy an electric car (a 1 year old Nissan Leaf 1,000 miles for £14,000). I kept my petrol car for long journeys over 100 miles and the savings on Petrol and servicing (nothing to service apart from tyres on a pure electric car) are paying back the loan. I'm about a thousand pounds a year better off with two cars than I was with one petrol car!. Thank you Zopa! Reviewed on: 19th December 2016

Very low rate, very quick pay out

Zopa had the lowest interest rates and were very clear on what I would be paying out monthly and in total. Perfect! Reviewed on: 19th December 2016

hassle free

hassle free on applying for loan and receiving funds Reviewed on: 19th December 2016

Great Loan provider

Have used Zopa on a previous occasion for a car loan - simple easy to use application process and great rates. Reviewed on: 19th December 2016

So easy to arrange loan. Completely painless.

Low interest rate. Quick decision. All done on line in a few minutes. Couldn't have been easier. Reviewed on: 19th December 2016

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