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Zopa: Personal loan reviews

View other Zopa products
4.94
Based on 67,194 reviews, last reviewed 18th Jan 2026
63800% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
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5%
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Latest highest rating:

5

Zopa , Splendid, Great Since I’ve joined Zopa they’ve been fantastic and a low interest rate, perfect for me Reviewed on: 18th January 2026
guy dean's avatar
guy dean

Latest lowest rating:

1

helpful quick very helpful understanding quick reply money straight into bank no problems Reviewed on: 16th January 2026
Tina Trice's avatar
Tina Trice
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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 (67194)

Easy, straight forward, no hidden fees and great APR

5
Great interest rates, and very simple and straight forward. Would use again Reviewed on: 19th December 2016
Ella 's avatar
Ella

Fast

5
No hassle loan approved very quickly. Reviewed on: 19th December 2016
Colin Hall's avatar
Colin Hall

excellent rates

5
Had a few Zopa loans. Quick and easy, excellent interest rates. Customer service good. Would use again and recommend. Reviewed on: 19th December 2016
Julie Hill's avatar
Julie Hill

Excellent

4
Very good experience and excellent customer service. It was easy to work way through site Reviewed on: 19th December 2016
Paul Greenfield's avatar
Paul Greenfield

Quick, and simple application. Lowest interest rate available, and fast transfer to my account.

5
Used a comparison site and Zopa were the cheapest. Easy application process online, super fast transfer to my bank. Borrowed £3000 over 36 months and only have to pay back £3244, £80 or so of which was taxes. So they're only profitting around £160ish. Which i found hard to believe. When I drew the money out of the bank for a new car the cashier asked if it was a loan and why I didn't enquire at HSBC, I just laughed and said 'I'm not as daft as you look'. Silly woman, they would've charged me around £7-800 interest, possibly more. I paid an £1100 repayment to my Zopa loan over the phone with no early repayment charges. The lady was nice and friendly and sorted me out in minutes. Overall, WINNER WINNER CHICKEN DINNER. If I decide to take another loan at some point Zopa will definitely be my choice, without doubt. Reviewed on: 19th December 2016
Nathan Middlebrook's avatar
Nathan Middlebrook

Home Loan

5
very fast service, no fuss, and competitive rates Reviewed on: 19th December 2016
Peter Farrer's avatar
Peter Farrer

Nice quick and simple loan

5
Zopa were really quick in making a decision on my loan and kept me informed the whole way through. Really professional and simple service. Reviewed on: 19th December 2016
Alex Fender's avatar
Alex Fender

Why borrow from outdated broken banks when you can safely borrow for your peers

5
Having just bought a house I needed a small home improvement loan. Being an existing Zopa customer I was offered an amazing rate and the application was dealt with in a matter of minutes and the cash was in my account in a couple of days. I couldn't recommend Zopa highly enough, they are the modern way of borrowing and lending. You don't end up with that bitter taste that comes from knowing you are feeding the fat cats who's irresponsible actions nearly broke us all. Reviewed on: 19th December 2016
Nick Donald's avatar
Nick Donald

Zopa

5
Grate company. Did recommend to a friend. Reviewed on: 19th December 2016
Natalie Roberts's avatar
Natalie Roberts

Perfectly digital.

5
Recommend by a comparison site. I was looking for a low interest loan for a new car. Zopa was 1st on the list. I applied and got it. I was over the moon, so simple, and informed of progress every step of the way. Perfectly digital. Reviewed on: 19th December 2016
Lisa Sadler's avatar
Lisa Sadler

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