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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.

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Zopa Personal loan reviews (69090)

Quick, easy, and affordable

I needed a loan to purchase a car so shopped around the market to find the best provider. I chose Zopa as they take into account your personal situation rather than just a credit rating. They forwarded me the money within a few day's to a term I chose. I'm more than happy with my Zopa loan and would recommend one to anybody needing a loan. Reviewed on: 19th December 2016

Amazing, light in the dark of other banks

Zopa behave like all lenders should, reasonably and with consideration Reviewed on: 19th December 2016

Easiest loan ever

Great that I can overpay whenever I wish at no cost. Great company with low rates Reviewed on: 19th December 2016

Hassle free

Easy, quick and courteous, that's the Zopa experience I have taken out three loans with this company, all of which were painless in application and swift in delivery. Interest rates are good, you can pay more in when you wish to and there is no penalty for early settlement. It's a no brainer really. Reviewed on: 19th December 2016

Excellent

Brilliant and very fast alround Highly recommended Reviewed on: 19th December 2016

Best rate & quick decision

Great experience, called customer service with a few queries, which they answered very quickly. Easily the best rate when comparing to various others & the rate did not shoot up when I had passed the credit check. Reviewed on: 19th December 2016

Loan

Easy to use site, accessed via mobile which was so convenient, quick decision & money available quickly too Reviewed on: 19th December 2016

Quick and easy

ZOPA provided me with a loan for a car at an excellent rate, with far less hassle than any other places I've used over the years. I like the fact that there is no penalty for early repayment - that makes it far more likely that I will use them again. The money was in my account in record time. Reviewed on: 19th December 2016

Simple, Fast and safe

Everything was clearly explained, it was an easy choice and I felt confident that I was using a safe loan provider Reviewed on: 19th December 2016

Low cost loans from a top quality company.

I have borrowed from Zopa twice & it has been a simple & satisfying process in both instances. The loans are low cost & the service levels are top quality. Reviewed on: 19th December 2016

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