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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 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 (69090)

Brilliant

Better rates than santander and NatWest were able to quote Reviewed on: 19th December 2016

Cheap. Easy

Taking out a loan with zopa was very easy and interest rates are the best value. Would use again and recommend to anyone Reviewed on: 19th December 2016

Simple

Really easy, simple steps, and smooth transaction, easiest and most customer friendly service I've used Reviewed on: 19th December 2016

Easy, good rates and good customer service

I have had two loans with zopa. On both occasions it was easy and stress free. The second loan was to consolidate my first loan and borrow extra. This was done on the phone in just a couple of minutes. Managing your account online is simple and the website is easy to navigate. In particular there is a clear and easy to understand breakdown of your loan repayments and how much you have left. I also like the fact that you can pay off extra without penalty, just go online, make an extra payment and you're done. Overall I am extremely pleased with my zopa loan. Reviewed on: 19th December 2016

Quick, easy to fill in and very low rates

I had a very good experiance, they have offered me best rate so far Thanks Reviewed on: 19th December 2016

Excellent investment

I started with Zopa by taking out a loan which straight forward to do and at a competitive rate. I have subsequently invested some spare cash which I had and which is receiving an excellent return which you would never receive in a bank! Reviewed on: 19th December 2016

Perfect for your everyday life

We have had a Fantastic customer experience from start to finish with Zopa, quick decision, quick transfer no hassle and fantastic rates by comparison with the banks. Zopa take the hassle away and more importantly they don't hassle you when the loan is ongoing with loads of different offers but they are there with some brilliant offers should you wish to approach them, I would certainly recommend Zopa to anyone before the high street lenders - it's money for everyday people from everyday people Reviewed on: 19th December 2016

Satisfied but rates aint competitive anymore

I have noticed Hitachi has the most competitive rates. i got 3.9% vs zopa was offering higher for a recent application. Reviewed on: 19th December 2016

Saved me from bank charges

Zopa provided quick and efficient service which saved me from high bank charges and stress. Reviewed on: 19th December 2016

No Faffing about, Zopa sorts it out!

As a pensioner with a fixed income and little in the way of savings, when I needed my bathroom updating, the prospects were not hopeful! Then my daughter told me about Zopa. She had been a customer, and encouraged me to ring them. Customer service was very helpful and pleasant, and explained everything down to dotting the 'i's and crossing the 't's. I felt so confident, that I agreed the loan I needed there and then! Repayments are simple, as are statements, so I know exactly what's going on! I wouldn't hesitate to recommend Zopa to my family and friends, although I wouldn't normally recommend any financial product. Reviewed on: 19th December 2016

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