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Zopa: Personal loan reviews

View other Zopa products
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
See only 5 star reviews
95%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Teri Barker's avatar
Teri Barker

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
John 's avatar
John
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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.

Review Zopa: Personal loan now

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Zopa Personal loan reviews (69090)

Fantastic rate, fantastic service and have recommended to so many!!!

5
took out a loan for a new car in 2013 due the rate being the best on the market and am now nearing the end, very quick decision and fantastic service all done online. Reviewed on: 19th December 2016
Ann Inger's avatar
Ann Inger

Easy and piece of mind

4
Really easy to set up and really competitive interest rates Reviewed on: 19th December 2016
Roy elsom's avatar
Roy elsom

Efficient and friendly service

5
Zopa were very efficient and fast to approve my loan and transfer money to my account. The deal offered was fantastic with clear terms and conditions. Reviewed on: 19th December 2016
Lyndsay Abram's avatar
Lyndsay Abram

A fantastic company!

5
I needed a loan to move out from home and start a new, very prospectful career. The process was simple and easy, I was well advised and looked after from the very beginning! Now I'm able to manage my repayment and set up the direct debit for a date that suits me. Zopa has helped me get to where I am now. Thank you Zopa! Reviewed on: 19th December 2016
Kai Bourne's avatar
Kai Bourne

Easy online service

5
Easy online service. Would recommend Reviewed on: 19th December 2016
Patrick Jones's avatar
Patrick Jones

Quick, Easy, Professional & very helpful

5
Literally took minutes to do and get a reply an a date of when the funds were available. Took all the hassle out of the formal side of life; an to top it off their mobile site is easy to use and there are no hidden fees or charges. 100% recommend over the highstreet banks. Reviewed on: 19th December 2016
Ben carey's avatar
Ben carey

Good value and responsive customer support

4
Had an issue with direct debits not being taken. Zopa were quick to react and rectify the issue along with ensuring no lasting issues on my account. Easy to set hold of and speak with a human which is useful with complex issues. Reviewed on: 19th December 2016
David Scott's avatar
David Scott

Excellent service all round

5
I'm extremely happy with the service I received from this company, it is easy and quick to set up with great rates. Would definitely recommend. Reviewed on: 19th December 2016
Michael Pearce 's avatar
Michael Pearce

No hassle. Quick and easy.

4
Found the end to end experience with Zopa very quick and easy. No problems at all and great interest rate. Reviewed on: 19th December 2016
Duncan Fear's avatar
Duncan Fear

Expensive

1
Make you think your getting a good offer but looking at apr and everyone what they offered they totally ripped me off just got a loan with 4.8 percent apr instead of the 19.5 they charged me...even though quote was at 8.8 will be paying off just now and wont get another :)!! Reviewed on: 19th December 2016
Charlene burns's avatar
Charlene burns

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