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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

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4.91

Based on 69,090 reviews, last reviewed 13th 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:

4

Found Zopa to be good value for money a few years back. Found Zopa to be good value for money a few years back. But now the rates are not as competitive Reviewed on: 13th 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)

Great rates, Great service

I've borrowed from zopa on two occasions as I couldn't find better rates anywhere else either time. The application was completed entirely online and the money was transfered swiftly, the perfect combination in today's ultra busy digital age. So easy was the transaction, I'm now considering using Zopa from a lenders perspective. Highly recommended! Reviewed on: 19th December 2016

Cheap Loans, Easy Repayments

Had 2 small loans within the last 2-3 years running concurrently. Loan rates were the easily the cheapest I found anywhere. When a windfall allowed me to pay off both this was simple to do on-line. I had one hitch when I failed to read the procedure properly on the website (i.e. do not cancel your DD until after the last payment is taken as this may take a week) but this was easily put to rights by staff on the end of the phone. I have already recommended Zopa to both friends and family. MM, Swansea. 19 Dec 2016. Reviewed on: 19th December 2016

Makes sense to go with Zopa

I applied for a loan with a high street bank and on the same day applied for a like for like loan with Zopa. Zopa's interest rate was better, the application was smooth, no unnecessary paperwork and money was available within days. Brilliant experience all in all with Zopa Reviewed on: 19th December 2016

Excellent to deal with

Very quick response, low interest rates. You can pay off more or finish the loan early without being penalised. Reviewed on: 19th December 2016

competative with customer service

Very pleased with interest rates along with excellent customer service, what is not to like!! Reviewed on: 19th December 2016

Super bike

Excellent service all around good communication all the way through. Reviewed on: 19th December 2016

Great service and courtersy

Good experience And helpful throughout the whole application. Reviewed on: 19th December 2016

Quick response

It took just a couple of days to be approved and loaned the money Reviewed on: 19th December 2016

great service

quick cheap and easy. forget about a bank until late you check pop first. Reviewed on: 19th December 2016

Very good rates

Upon using many search engines online zopa always came out on top for the cheapest rates. Will be using again for my next car. Reviewed on: 19th December 2016

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