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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)

The loan application was very straightforward.

The loan application was very straightforward. Managing my loan through the app is also very convenient. The dashboard within the app is easy to read. Reviewed on: 4th March 2024

Zopa are my go to when I’m looking for a personal lo...

Zopa are my go to when I’m looking for a personal loan, the App is easy to use and their rates are very competitive! Once completed your Loan it’s very easy to keep track of where you are on payments and also easy to pay off early in instalments or in full. Reviewed on: 4th March 2024

Seamless experience with personal loan at Zopa.

Seamless experience with personal loan at Zopa. I am very satisfied with the product and communication with the Zopa team. Reviewed on: 4th March 2024

10/10 for Zopa!

Never had a problem with Zopa. Applied the loan to my bank account within a few hours, APR isn’t horrendous, and when I got married, they changed my name within a few days. Overall, excellent company. Reviewed on: 4th March 2024

All in all, impressed.

Initially preapproved, with my application accepted in quick succession moments thereafter. The money landed in my account within hours. The interest rate wasn't fantastic but that's expected. The website is super easy to use, and the conditions of my loan were/are easy to understand. No hidden fees or hiccups after 1-2 years. Reviewed on: 4th March 2024

They helped me out in a time of financial Need...

They helped me out in a time of financial Need Reviewed on: 4th March 2024

Zopa helped me when I needed it.

Zopa helped me when I needed it so I highly recommend them. They are good for communication all throughout your loan,I am very pleased with their service. I wish the interest wasn't so high but they were better than other providers. Reviewed on: 4th March 2024

Extremely delighted with the service

Extremely delighted with the service Reviewed on: 4th March 2024

Eases the worry and stress

I had got sprung with a few unexpected expenses and was noticing that after using credit cards was an expensive mistake and the payments were making me struggle with everyday expenses, my own bank of 40 +years were not very helpful . My son mentioned Zopa and after an easy application I was accepted and the money was in my account shortly after this reduced my credit card payments by half and has made life worry free and easier Reviewed on: 4th March 2024

nice and easy way to borrow

No problems nice and easy good customer service Reviewed on: 4th March 2024

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