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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)

Good service with no trouble

Good overall service no trouble and easy to apply Reviewed on: 19th December 2016

Fantastic concept and execution

Love the idea of p2p borrowing. Zopa offer a truly transparent view of your loan too through their site, down to the individual lenders who have lent the tiny bits to make up the whole loan. Once mine is paid off I'll be looking to lend with them as their return rates look impressive! Reviewed on: 19th December 2016

So quick and easy

I came across zopa whilst searching for a loan via credit expert I applied and I was amazed how fast it was accepted and deposited into my bank I will certainly use zopa again without hesitation Reviewed on: 19th December 2016

Great interest rates, very simple process and fast payment.

Great interest rates, very simple process and fast payment. No issues at all so would highly recommend. Reviewed on: 19th December 2016

The Best

This is the best bank in the uk. I recommend to everyone. it is worth to take out a loan. Reviewed on: 19th December 2016

Fantastic finance

The loan application was easy to understand and simple to complete. Everything is is simple language without any financial jargon. It's so easy to find out how much I owe and to pay extra. Feels like being part of a community. Reviewed on: 19th December 2016

Just brilliant

I found zopa loans brilliant to deal with and an absolutely effortless process. First class service Reviewed on: 19th December 2016

First loan

Really good for people who want to get thee first loan Reviewed on: 19th December 2016

Zopa is wonderful

Applied for a Zopa loan for a car. Was hesitant because I am quite young, but they accepted me and were very helpful with the whole process. Would highly recommend! Reviewed on: 19th December 2016

Perfect deal

I was shocked and happy to see how clear cut and transparent Zopa were with the money you were borrowing. Great interest rate, clearly displayed fees and such a fast response on application. I had never heard of Zopa before taking the loan out and I can tell you now, if I need one in the future Zopa is the only place I'll go! Reviewed on: 19th December 2016

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