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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)

In this world you need to be honest and...be honest

In this world you need to be honest and have a good heart. And ready to fulfill you contract Reviewed on: 29th February 2024

App easy to use and service .

App easy to use and service . Great rates for both loans and savings. Reviewed on: 29th February 2024

Couldn’t ask for a better loan company

Quick service, up front information, non judgemental of circumstances Reviewed on: 29th February 2024

Zopa, The Best for financial needs.

When searching for a personal loan Zopa came out on top for me in every department. Great communication, everything explained to me that made perfect sense to someone going into this totally blind. Reviewed on: 29th February 2024

Excellent quick straight forward and hassle free.

Excellent quick straight forward and hassle free. No waiting times like other banks money paid start into your account. Plus you are able to see before hand whether you will be accepted or not without effecting your credit score. Highly recommend. Reviewed on: 29th February 2024

Zopa makes it easy

I'm always checking my borrowing power on Zopa app. Refinanced an existing loan for less pcm with a little spare, whole process was very easy and sorted super quick. Reviewed on: 29th February 2024

I don't know, let's try, it might be useful to...

I don't know, let's try, it might be useful to try Reviewed on: 29th February 2024

Excellent customer service Flexible payments

Excellent customer service Flexible payments Reviewed on: 24th February 2024

HIGHLY RECOMMENDED

Applied for a new loan at lower interest rate, lovely agent called to ask a few questions and the money was transferred to my bank account within the hour. They treat you as a PERSON not a NUMBER cannot fault this exceptional company. HIGHLY RECOMMENDED Reviewed on: 24th February 2024

Zopa helped me to build my credit score.

I applied a personal loan from Zopa for a new car. Their response was swift and efficient, and I received the bank transfer within half an hour. In addition, as an immigrant, it was hard for me to start to build my credit score. Zopa gave me my first credit card in the U.K. and that’s how I start building a healthy score. I truly appreciate the help from Zopa in these years. Reviewed on: 23rd February 2024

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