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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)

Great friendly service!

Needed a loan to help with a deposit, service was great with no hiccups, repayment cost unbelievably low Reviewed on: 19th December 2016

The most painless, easy to handle/manage quickly offered loan ever!

A few sentences needed and a couple of details (literally) and the loan was accepted. An excellent rate (in fact a better rate than my own bank/mortgage provider) to top it all the cash was with me within a couple of days. Absolutely amazing idea and concept and quite possibly the future of lending! Perfect service . Thanks Reviewed on: 19th December 2016

Christmas rush

On Christmas day last year I was browsing online as I was in need of a new car. I found one that I fell in love with and having had a bad experience with finance before I didn't want to have to go down finance again. After some quick searching and reviews I discovered Zopa, who offered the best interest rate for what I wanted. I applied and had the money within five days ready to pick up the car. Can't fault the company enough with how quick they are and can only imagine they're even quicker outside of the Christmas period! Haven't had any issues and I can pay off extra whenever I like. Reviewed on: 19th December 2016

Great company, easy to use

Great rates, easy to apply and manage loan Reviewed on: 19th December 2016

Would recommend

Good service online and in phone would recommend to others Reviewed on: 19th December 2016

Brilliant service.

Just brilliant. Brilliant service, simple, painless and quick. Reviewed on: 19th December 2016

Great service

Very quick, great interest rate. Would use again. Reviewed on: 19th December 2016

Quick, easy and clear

I took out a small loan for a new car and found the website very easy to navigate, I applied and got approved within minutes. I had the loan amount in my account just 3 days later, all very easy and hassle free. Would recommend Zopa to anyone. Reviewed on: 19th December 2016

Simple, quick and very competitive

I have now used Zopa for borrowing on multiple occasions. The competitive rates combined with simple flexiable payments (over-payments) just makes for the perfect borrowing package Reviewed on: 19th December 2016

Brilliant

Taking out a Xopa Loan is simple, easy to understand and reliable. Reviewed on: 19th December 2016

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