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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.

Review Zopa: Personal loan now

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Zopa Personal loan reviews (69090)

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

Quick efficient

From start to finish the service was 1st class .. Reviewed on: 19th December 2016

The best

Plain and simple to apply, quick response with an easy setup. What more can one want. Reviewed on: 19th December 2016

Quick and easy

Website was easy and straight forward. Quick and easy to use and the money transferred quickly too. Easy to modify payment dates etc after the loan was set up Reviewed on: 19th December 2016

Fast and simple

The quickest and easy loan process I've ever done. First class Reviewed on: 19th December 2016

Easy peasy loan application

Easy and quick and all round felt a really positive experience. I like the concept of how Zopa work the fact that actually getting the loan was simple made it all the better. Reviewed on: 19th December 2016

Easy and quick

Really straight forward to organise my loan. And the cheapest rate! Would recommend! Reviewed on: 19th December 2016

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