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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)

Zopa is a professional and effective company.

Zopa is a professional and effective company. Reviewed on: 15th April 2026

Clear and helpful......

I've found Zopa to be very clear with their information, the app is brilliant and so easy to navigate and all my dealings have been straightforward and easy to understand. Reviewed on: 15th April 2026

My own bank of 23 years wouldn't lend to me until th...

My own bank of 23 years wouldn't lend to me until they wanted 23%. Zopa nearly quartered that... couldn't be happier. Will close Halifax account in next few days Reviewed on: 15th April 2026

Every product has shown merit in what I need it for.

Every product has shown merit in what I need it for. My son now has an account based on my good feedback Reviewed on: 15th April 2026

GREAT SERVICE - SUPER QUICK TO RESPOND

GREAT SERVICE - SUPER QUICK TO RESPOND Reviewed on: 15th April 2026

Easy simple application process with clear information.

Easy simple application process with clear information. Reviewed on: 15th April 2026

Reasonable interest rates and great customer service!

I have 3 loans through Zopa and I find that it’s easy to make additional payment when I need to, the interest rates are better then most places, and customer serves always replies in a speed and efficient manner. Reviewed on: 15th April 2026

Was very fast and pleasant The whole process was smo...

Was very fast and pleasant The whole process was smooth from start to finish—application was straightforward, communication was clear, and their team was professional when they contacted me to verify details. Everything felt transparent and well-managed, which gave me a lot of confidence. What stood out most was how quick and efficient they were without making it feel rushed or stressful. It’s not always easy dealing with finance, but Zopa made it simple. Reviewed on: 15th April 2026

excellent service very helpful and the money was the...

excellent service very helpful and the money was there straight away Reviewed on: 15th April 2026

Very good communication money paid out in Minutes

Very good communication. Had my money within minutes of being approved. Reviewed on: 15th April 2026

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