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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (67286 reviews)

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4.94

Based on 67,286 reviews, last reviewed 24th Jan 2026

100250% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Gave decision quickly Gave decision quickly processed the application within a couple of days money was in bank Reviewed on: 24th January 2026

Latest lowest rating:

1

helpful quick very helpful understanding quick reply money straight into bank no problems Reviewed on: 16th January 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 (67286)

Fast, efficient and low rates.

Easy to apply, excellent website, money transferred quickly. Reviewed on: 19th December 2016

Fantastic service

I have used Zopa twice for personal loans. On both occasions, the process was easy and quick. I felt I was getting a good deal from them and the simplicity of the process was very appealing. I like the concept of peer to peer lending and the fact that you can see who your lenders are and how much they have lent you. Paying back the loan is also easy and the fact that you can pay back the whole loan or lump sums without penalties is excellent, along with the fact that it leaves no credit footprint. I would be very unlikely to borrow from anyone else in the future. Reviewed on: 19th December 2016

Quick and efficient

I've got higher APR than other bank offered but decided to go with Zoopa as it was very quick and didn't need to sign anything. Definitely will be taken out another loan if needed, hopefully they'll be able to offer lover price in the future. Reviewed on: 19th December 2016

Excellent, easy and efficient

Applied online, very straightforward, got the answer pretty much immediately and in no time the money was in my account. Faultless Reviewed on: 19th December 2016

Super quick and easy at best rates around.

Super quick and easy at best rates around. Reviewed on: 19th December 2016

Excellent company

Best company based on interest, very simple application and funds are with you within 24hrs. Staff are lovely and very helpful when I called up wanting to change my payment date. Would highly recommended!! Reviewed on: 19th December 2016

Fabulous fast service

The Zopa website is easy to use and you get a decision very quickly. Topping up the loan was simple too! Definitely would recommend. Reviewed on: 19th December 2016

Fast, easy and friendly

I needed a small loan to by a car. The rates offered by Zopa were competitive and the whole online process was very simple and painless. It was what an online service should be, easy, efficient and customer friendly. Thanks Reviewed on: 19th December 2016

Fast easy service. Brilliant

Very easy service no hassle. Made the process very good. One happy customer. Reviewed on: 19th December 2016

So easy to use

I found Zopa following a recommendation from a friend and by borrowing some money at their super low rate I was able to negotiate a better deal overall on a new bike than if I'd taken the shops 0% deal... The website application was simple and the funds were in place in super quick time, can't ask for more really! Reviewed on: 19th December 2016

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