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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69076 reviews)

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4.95

Based on 69,076 reviews, last reviewed 21st Apr 2026

12% 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

Easy to apply, quick to received funds and so super... Easy to apply, quick to received funds and so super convenient being able to manage it using the app 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 (69076)

Quick and Easy to apply

It was so easy to apply for a loan and was accepted quickly as well! It was easy to choose the length on loan repayments by showing the monthly payments. This allowed me to select a term that I could afford the monthly payments. Afterwards I've not been spammed with emails etc which is a plus. I have had no problems at all, I would highly recommend Zopa to friends and family and would definitely use again if needed. Reviewed on: 19th December 2016

A lender you can trust

I took out a loan to consolidate my outstanding debts and zopa was the only company that would approve the loan. It's re-established my credit rating and removed a great deal of pressure. I am very happy with the speed of service, the interest rates and the loan terms. Thank you Reviewed on: 19th December 2016

Excellent customer service and support

I had a great experience with using zopa for taking out a personal loan, they have great customer support and were very efficient Reviewed on: 19th December 2016

I needed a loan, I got a loan. I t was easy too!

Great and helpful customer service, My loan was available to be within hours. Reviewed on: 19th December 2016

Spot on service. Quick and no hassle.

Great service. Kept me informed throughout and reliable great service. Reviewed on: 19th December 2016

Straightforward process

Very straightforward, simple and quick process. Reviewed on: 19th December 2016

Fantastic value very quick answer to my application.

Saw a car , applied online to Zopa for a loan which was a very good interest rate . Some very simple questions , and a quick reply . I have my car now which zopa made it possible . Reviewed on: 19th December 2016

I was desperate for some quick cash to decorate my 2 girls bedroom for them before christmas and zopa saved the day, easy as pie to apply so i highly recommend!

Amazing loan company, peer to peer so im 100% going to deposit some money in soon as i can, easy to apply, literally took me 10 minutes and found out the following day my loan application was accepted, really helped me out in a big way Reviewed on: 19th December 2016

So easy to apply for a loan

Applied for loan and within 2 days it was in my bank account, no complicated forms to fill in so simple and straight forward ,this is my second loan and would not go anywhere else ,and the interest you pay back is very good would really recommend to anyone Reviewed on: 19th December 2016

Superb lender. Pay extra off your loan - at no cost. Great!

I've borrowed two or three times from Zopa now and I find it very simple and quick to get a loan. I regularly pay off a little extra to reduce my loan faster. No fees to do this. Much more user friendly than the traditional,robbing banks. 5 stars Zopa! Reviewed on: 19th December 2016

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