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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69082 reviews)

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4.95

Based on 69,082 reviews, last reviewed 1st May 2026

14% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

It was so easy and straight forward to apply with ve... It was so easy and straight forward to apply with very fast decision turn around pay out once successful. Very competitive repay rates always a no br... Read more Reviewed on: 1st May 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 (69082)

Very quick and easy to apply.

Very quick and easy to apply. Immediate response Reviewed on: 16th April 2026

Excellent service, easy to use app.

Excellent service, easy to use app. Easy application and sane day money transfer Reviewed on: 16th April 2026

Great company very professional and knowledgeable h...

Great company very professional and knowledgeable helped me out so much Reviewed on: 16th April 2026

Excellent Service and a Hassle-Free Loan Experience

I recently took out a personal loan with Zopa via Smart Money People, and the whole process was refreshingly straightforward. From start to finish, everything was clear and easy to follow. The application was quick, with a simple online form and a fast decision. I particularly liked how transparent the terms were—no hidden surprises, and the repayment plan was clearly explained upfront. The rate offered was competitive compared to other lenders I looked at, and I appreciated being able to tailor the loan amount and term to suit my needs. Once approved, the funds were transferred promptly, which made a big difference. Overall, a smooth and reliable experience. I’d definitely consider using Zopa again in the future and would recommend them to anyone looking for a hassle-free personal loan Reviewed on: 16th April 2026

Easy to apply very quick from start to finish would...

Easy to apply very quick from start to finish would reccomend everything on app easy to use Reviewed on: 16th April 2026

Straightforward and decisions given in a timely manner

Forms are very straightforward to complete. Questions were clear and concise and decisions given in a timely manner. Reviewed on: 16th April 2026

Excellent

Easy to use app, fast and hassle free process, low interest rates. Reviewed on: 16th April 2026

Easy Peasy

Have had multiple loans with Zopa over the years and have always found them easy to deal with and super fast sorting things out. Reviewed on: 16th April 2026

Loan approval in short time and excellent customer s...

Loan approval in short time and excellent customer service Reviewed on: 16th April 2026

The interest of borrowing money is high.

The interest of borrowing money is high. Reviewed on: 16th April 2026

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