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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)

They helped me out when I needed it

A couple of years ago I needed a loan to consolidate my debts. Zopa were the best value out there and the application process was so quick and easy I was sorted in no time and my finances have been in great shape ever since. Reviewed on: 19th December 2016

simple easy supportive

It was simple and straightforward to find out zopa rates of interest and to finalise agreement. I also like that there is someone on the end of a phone if you have any problems or anxieties. Of course the final best thing about Zopa are their rates which are very competitive. Reviewed on: 19th December 2016

Very quick and good rates

Very quick and very helpful with the whole process. Reviewed on: 19th December 2016

Straightforward, no messing, great low rate

I needed a loan urgently so I quickly typed in the amount and Zopa came up at an incredibly low rate. I know my credit rating is favourable; but this was too good to be true. However, as it was so easy to apply for on the website - I did; knowing I had nothing to lose. The next day I was contacted with a few straightforward questions. Lo and behold! I received the money within two days at the extemely low rate they had offered. Recommend to everyone! Reviewed on: 19th December 2016

Quick, easy and amazing rates

I hadn't heard of Zopa before, but after applying on-line which was a breeze, I can't recommend them enough and have a taken a further loan thru them since. Along side this there rates are favourable too. So a happy man which I can't say about previous borrowers. Reviewed on: 19th December 2016

First class

Transparent lending, excellent customer service and competitive rates. Reviewed on: 19th December 2016

hassle free

needed a loan for a holiday,no problem approaching zopa arranged a loan fairly quickly without any problems will use them again. Reviewed on: 19th December 2016

Can make extra payments when you want without a charge if you pay off early

Easy to apply and can make extra payments when you can Reviewed on: 19th December 2016

Quick & easy

Was a quick process & had the money within a couple of days - great service! Reviewed on: 19th December 2016

Brilliant experience

It was easy and quick. That's the most important for me Reviewed on: 19th December 2016

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