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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.907857584246798350 (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.

Review Zopa: Personal loan now

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Zopa Personal loan reviews (69090)

Straightforward, no-nonsense borrowing

The interest rate is a little high in my opinion, particularly for those who may have a less than perfect credit rating. If people have struggled in the past then surely making them pay more than those with 'good ' ratings is not helping. Reviewed on: 10th January 2024

Zopa the best in the business.

I applied for a loan and it did not take them to approve my loan. The money was transferred very quickly. Managed to get my new bathroom installed before Christmas. Reviewed on: 10th January 2024

Flexible and value

Zopa has been great over they years used them several time i like that you can make extra payments when i have spare money and bring your monthly payments down Reviewed on: 10th January 2024

The service was excellent and prompt, twice I have t...

The service was excellent and prompt, twice I have taken loan from Zopa and the response was good with no pressure. I have recommended to friends and will keep recommending Zopa for the service. Reviewed on: 10th January 2024

Excellent communication regarding applying for credi...

Excellent communication regarding applying for credit,swift response,not to many complicated questions.. resulting in comprehensive outcome. Reviewed on: 10th January 2024

Quick and easy with no hassle

Quick and easy to find information, get a quote and be accepted. No hassle at all and money in the bank quickly. Payments set up easily and good website to be able to deal with my loan whenever I need to. Reviewed on: 10th January 2024

My review

I have had 2 loans with Zopa you can download the app and track your repayment records repay loan off early would highly recommend Reviewed on: 10th January 2024

Zopa give good deals.

Zopa give good deals. Easy to access on phone app. User friendly. Reviewed on: 10th January 2024

Friendly and competent service.

Initially contact was positive and very friendly, put me at my ease, I felt confident I was dealing with someone who was on top of the situation regards my financial needs and who would offer the best solution to my unexpected financial situation. Reviewed on: 10th January 2024

3 loans from Zopa.

I have had 3 loans from Zopa. They are always there to help when I need it and provide a first class service Reviewed on: 10th January 2024

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