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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69078 reviews)

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4.95

Based on 69,078 reviews, last reviewed 23rd Apr 2026

14% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent service app fantastic each tim e I call th... Excellent service app fantastic each tim e I call the agents are so efficent and helpful. Reviewed on: 23rd April 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 (69078)

Happy with service revived

I found the hole prosess pain free, very competitive, with ease of topping up existing loan and ability to paying off early if you wish. Very happy with the service I revived. Reviewed on: 19th December 2016

Easy and clear

Applied to zopa the next day money was in the bank and it was easy to set up direct debit Reviewed on: 19th December 2016

Making it easy

Zopa provides a really innovative way to arrange a personal loan that rewards those with some capital to invest, and those of us who need a loan good terms to repay it. I'm very impressed with Zopa and how easy it was to arrange and keep up with the payment plan. For me, it represents responsible lending to responsible borrowers. Reviewed on: 19th December 2016

Excellent

easy to use, no nonsense, I would recommend to anyone Reviewed on: 19th December 2016

Easy And Fair

Taking out my loan for a new car was simple and easy. And most of all the interest rate was fair for the amount and better than my bank, so all in all quite happy. Reviewed on: 19th December 2016

Would recommend

Very easy to use website, great for if you want to top up your loan, Zopa gives you personalised interest rates depending on your credit rating, money in the bank within a few days, borrowing money made simple! I would definitely recommend. Reviewed on: 19th December 2016

Borrowing made simple.

Applied online, took just a few minutes. Instant decision, Zopa had the best rates for what I wanted. Money in my account quickly, job done. Website has all my account history, and a final settlement, all there on the web page. It's all very simple. Reviewed on: 19th December 2016

Great loan solution

Easy to get, low rates and excellent customer service! Reviewed on: 19th December 2016

Easy and quick

Had my loan approved quickly and money transferred. I paid off in full after 2 months and no hidden penalties for doing so! Excellent Reviewed on: 19th December 2016

Very transparent and easy to apply process

I chose Zopa when I needed to take a loan. The interest rates they provide are probably the lowest and best on the market. Application process was very quick and transparent. The response came after couple of days. No hidden costs. Would recommend to everyone who is not sure about choosing the right loan provider. Reviewed on: 19th December 2016

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