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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, and simple application. Lowest interest rate available, and fast transfer to my account.

Used a comparison site and Zopa were the cheapest. Easy application process online, super fast transfer to my bank. Borrowed £3000 over 36 months and only have to pay back £3244, £80 or so of which was taxes. So they're only profitting around £160ish. Which i found hard to believe. When I drew the money out of the bank for a new car the cashier asked if it was a loan and why I didn't enquire at HSBC, I just laughed and said 'I'm not as daft as you look'. Silly woman, they would've charged me around £7-800 interest, possibly more. I paid an £1100 repayment to my Zopa loan over the phone with no early repayment charges. The lady was nice and friendly and sorted me out in minutes. Overall, WINNER WINNER CHICKEN DINNER. If I decide to take another loan at some point Zopa will definitely be my choice, without doubt. Reviewed on: 19th December 2016

Home Loan

very fast service, no fuss, and competitive rates Reviewed on: 19th December 2016

Nice quick and simple loan

Zopa were really quick in making a decision on my loan and kept me informed the whole way through. Really professional and simple service. Reviewed on: 19th December 2016

Why borrow from outdated broken banks when you can safely borrow for your peers

Having just bought a house I needed a small home improvement loan. Being an existing Zopa customer I was offered an amazing rate and the application was dealt with in a matter of minutes and the cash was in my account in a couple of days. I couldn't recommend Zopa highly enough, they are the modern way of borrowing and lending. You don't end up with that bitter taste that comes from knowing you are feeding the fat cats who's irresponsible actions nearly broke us all. Reviewed on: 19th December 2016

Zopa

Grate company. Did recommend to a friend. Reviewed on: 19th December 2016

Perfectly digital.

Recommend by a comparison site. I was looking for a low interest loan for a new car. Zopa was 1st on the list. I applied and got it. I was over the moon, so simple, and informed of progress every step of the way. Perfectly digital. Reviewed on: 19th December 2016

Could Not Be Easier

Provided that one has a good credit history, there is unlikely to be a better place to go for a loan in terms of overall service, interest rate and speed of processing. Reviewed on: 19th December 2016

simple, easy to use and setup and competitive rates!

simple, easy to use and setup and competitive rates! Reviewed on: 19th December 2016

Simple and cheap

I was approved with ease and found the rates favourable to others. Reviewed on: 19th December 2016

Really good

It was a really quick and very simple process. Reviewed on: 19th December 2016

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