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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)

Great company to deal with

Very very easy to deal with gave a quick decision and very good interest rates Reviewed on: 19th December 2016

Great, quick service.

Applied for a loan to buy a car and the cash was in within a few days without any hassless. Great serice. Every one should use Zopa. Reviewed on: 19th December 2016

The best loan deals out there

Low interest rates and no early repayment fees! Which is refreshing to see as it encourages early repayment so that you can get on with your life debt free. Reviewed on: 19th December 2016

Top loan company. Would use again.

Best rates around. Would 100% use again if needed Reviewed on: 19th December 2016

Efficient and timely

I've had 2 Zopa loans and both applications have been extremely smooth. I like the fact that I can pay extra off as and when with no penalty... And of course the rates speak for themselves!!! Highly recommended Reviewed on: 19th December 2016

Support the ethos and admire the results

I like the principle of small lenders coming together and the ease with which you can participate as lender or borrower. Great idea and fabulously executed Reviewed on: 19th December 2016

Competitive and easy

Website very easy to use and very competitive rates. Would definitely use again if ever needed Reviewed on: 19th December 2016

Great and not a rip off

Found it really straight forward and they don't charge stupid amounts of interest Reviewed on: 19th December 2016

Can't recommend enough

Great business to deal with. They make what could be a stressful experience so simple Reviewed on: 19th December 2016

Fast and Efficient Loan service

The loan application process was very quick with a pre-assessment done using a soft search without affecting my credit report. Having qualified, the information required was straight forward and within 5mins my loan was approved! The interest rates on offer were best in class and I have the option to repay early without any charges. I have also found the FAQ section of the website to be very comprehensive and simple. Great service from Zopa. Highly recommend. Reviewed on: 19th December 2016

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