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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69077 reviews)

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4.95

Based on 69,077 reviews, last reviewed 21st Apr 2026

13% 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

Zopa have been really supportive and helped me with... Zopa have been really supportive and helped me with sorting out my finances. I am so grateful. Reviewed on: 21st 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 (69077)

Grow your money

I love lending my money through zopa. It has good interest rates and is easy to dip get some off your money out very quickly peer to peer lending is far better than having your money in the bank earning very little interest Reviewed on: 19th December 2016

Fast,Efficient and Friendly

It does exactly what it says on the tin. Good Customer Experience Reviewed on: 19th December 2016

Quick helpful and fair

Great experience with zopa. Easy to understand rates over a time I chose. I love to have the ability to see my loan online any time of day or night and make overpayment. Reviewed on: 19th December 2016

Easy to used

Check if u can lend the money and easy to apply Reviewed on: 19th December 2016

Excellent service all round.

Just handled well from start to Finnish Reviewed on: 19th December 2016

Simply THE BEST!

The best rate for me. The best customer service. No small print to worry about. Excellent! Reviewed on: 19th December 2016

Really easy and quick

No hassle and they treat you like a person not a number. Reviewed on: 19th December 2016

3rd time borrower...can't be bad

Zopa make borrowing and repaying very easy. In fact, over the last 10 or so years I have borrowed money from a few different providers and none have given me the ease of owning a loan than Zopa. I can pay back all owed should I choose with an instant settlement offer online, I can make extra payments with a instant description of the impact of the payment such as a reduction in monthly payment. Even when applying they tell you what rate they can offer before you agree you actually want the loan based on credit score (initial soft search required). All in all when/if accepted Zopa have given me the most manageable credit I have ever had and cannot recommend highly enough. Reviewed on: 19th December 2016

Helpful loans

Zopa were there when we needed them the most. Interest rate and overall quick and easy service was impeckable. Already recomended them to friends because we were pleased with there loan services Reviewed on: 19th December 2016

Reliable loan at a sensible price

I transferred a loan to Zopa from another regular high street lender, the process was easy and quick and by retaining the old monthly payments, the resulting new interest rate knocked over 2 years off the repayment period! I wish I had done it a year earlier!! Reviewed on: 19th December 2016

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