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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)

Easy & hassle free!

We've used Zopa twice now, both times have been fantastic, all online & so straight forward. Would recommend to anyone. Fair rates, easy to access & use & fast transaction! Reviewed on: 19th December 2016

Easy Application Process

Applying for a personal loan was very quick and straight forward. I was accepted and have got a great rate. I also have an on-line account where I can track my loan and even make extra payments if I am able to, if not the monthly direct debit comes out of my current account on the same date each month. Reviewed on: 19th December 2016

Fast, thorough, no fuss, friendly.

I applied for my second Zopa loan. The checks were done within a few hours and contracts ready to sign the following day. Thanks to Zopa I have saved a fortune in bank charges and got a great deal on my loan. There are no hidden charges and loans can be repaid without incurring additional interest. Brilliant service, brilliant company. Reviewed on: 19th December 2016

Rating for the draw

Needed cash in a hurry and came up trumps here with very affordable payments back Reviewed on: 19th December 2016

Quick & Simple

Very easy to set up and arrange. Interest rate is clearly shown and process is very straight forward. Used Zopa now for the second time. Will happily use again if I need to and would certainly recommend. Reviewed on: 19th December 2016

Just great

Had a couple of loans from zopa in the past few years, very easy to set up, excellent rates, great customer service and much easier and straightforward to deal with than the banks or any other of the loan providers Reviewed on: 19th December 2016

Great loan !

So simple, helpful and no nonsense, easiest loan I've ever had. Reviewed on: 19th December 2016

Simple lending and borrowing at great rates

An easy application for a loan for a new car. Affordable, quick and with flexible repayment options we are very pleased with the way Zopa works. Reviewed on: 19th December 2016

Great company

I have taken out two seperate loans with Zopa, on both occasions the rates and customer service was unbeatable. Would not hesitate to use them again in the future. Reviewed on: 19th December 2016

Great loan!

Zopa loan was easy to apply for, quick to accept with a good interest rate. Reviewed on: 19th December 2016

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