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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65249 reviews)

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4.94

Based on 65,249 reviews, last reviewed 16th Oct 2025

50% 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:

5

Good happy with the seevice Good I am happy with service I would recommended Reviewed on: 16th October 2025

Latest lowest rating:

1

They've no idea what they're doing Moved to Ireland after taking out a loan. Couldn't update my address - computer says no. Couldn't log in without a UK mobile number as 2FA - computer ... Read more Reviewed on: 5th September 2025

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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 (65249)

Quick, easy, and affordable

I needed money for something big, made an application, and got a good rate. It was easy to apply for, the site uses large font sizes. Reviewed on: 22nd June 2017

Absolutely fantastic, quick and so easy.

I got a loan through zopa for my car, absolutely fantastic. Money was in my account after 2 days. Can access my account whenever I want to make changes or check how much I have left to pay. Recommended my brother and he got a loan as well :) Reviewed on: 22nd June 2017

Efficient and reliable, no hidden charges

I enquired, I applied, I was approved and I got the loan at a competitive APR within 24 hrs! Completed online, no quibble, no hidden charges at the repayment I could afford. I have easy access online to my loan for any attention it may require. A great service with a simple, efficient and joined up approach. Thanks Zopa! Reviewed on: 22nd June 2017

There when I needed help

Taking a loan was quick and easy to set up when I needed a little help. Couldn't recommend Zopa enough to friends and family. Reviewed on: 22nd June 2017

Easy to deal with business

Easy to deal with. Great concept with ability to borrow peer 2 peer or invest and earn money on your landings to others. Rates are great for both lending and borrowing. Reviewed on: 22nd June 2017

Very quick and reliable

Have used twice and would use again. Reviewed on: 22nd June 2017

Excellent and efficient service!!

Applied for my loan online, very easy process and got my answer very quickly and funds in my account extremely quickly!! Would highly recommend!! Reviewed on: 22nd June 2017

Zopa loans

Really quick everything from applying to getting the money took 3-4 days and an exceptional low APR would highly recommend Reviewed on: 22nd June 2017

Great lending and borrowing

I have been a Zopa member and investor/borrower since 2012. I love the range and diversity of products and the ease of investment in the different markets as well as the reinvestment options. The lending and borrowing has been really been to easy to use and regular communication is sent out weekly and is completely transparent. Would recommend to anyone look to invest at excellent interest rates, or indeed to borrow at a low rate! Reviewed on: 22nd June 2017

Great

Quick and friendly service, great communication Reviewed on: 22nd June 2017

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