Write a review

Newsletter

Go to business site

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69088 reviews)

View other Zopa products

4.91

Based on 69,088 reviews, last reviewed 12th Sep 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good and very esy to apply Very good and very esy to apply very fast Reviewed on: 12th September 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

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Personal loan reviews (69088)

Fabulous service

Very simple process took mins to sort out, best interest rates I could find. Money in my bank within days. Would be my first stop for future loans. Reviewed on: 23rd June 2017

Great alternative to conventional lenders

When looking for an unsecured loan Zopa were by far the most accommodating, offering loans at highly competitive rates compared to conventional lenders. Making extra payments is very flexible with no penalty for early completion. To date I have had two loans with them and will always make them my first port of call in the future. Reviewed on: 23rd June 2017

Excellent experience, easy from beginning to end

I took out a small loan to consolidate some bills. The experience with Zopa was very easy, the application is simple and quick. Once your application is approved the money is available within a few hours. I feel the interest rates are extremely fair and I would definitely recommend people use the service. Reviewed on: 23rd June 2017

Excellent loan service

What I love about zopa and is that you can pay off your loans early this makes it a variable very flexible solution when you need to borrow some money. Of course when you have money spare you can lend it to other people so you feel like you're helping out the community whilst making some extra money. In the end everybody wins. Reviewed on: 23rd June 2017

very good

Excellent in quickness of letting you know if you have got the loan. Money put into my account with no fuss. Excellent all round. Would recommend. Reviewed on: 23rd June 2017

Excellent service

Quick, easy and user friendly. There isn't much to complain about with Zopa so they get my highest rating Reviewed on: 23rd June 2017

Quick, easy and reliable

We needed a boost for our wedding expenses and struggled getting a decent interest rate. Zopa was what we needed and when I called for help/advice they were excellent and communication via email was brilliant too. I couldn't recommend them highly enough - reliable and a great company! Reviewed on: 23rd June 2017

Simple, Fast And Accurate

Apllied For A Loan For The First Time.. Filled In A Short Form Got Accepted Got Paid... No fuss No Hassle.. Recomended To Friends And Family A Week Later.. Reviewed on: 23rd June 2017

No hassle!

Every step has been simple. I'm amazed by the rates and also love that this company works to help its customers, instead of ripping them off. Reviewed on: 23rd June 2017

Loans

Was very easy to fill out all the forms and had an instant response on acceptance. Got the money in the timeframe needed and couldn't be happier. Reviewed on: 23rd June 2017

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Personal loan
from Bamboo Loans 4.82 from 16790 reviews
Loans
from Your Community Bank 4.77 from 300 reviews
Student Loans
from Future Finance 3.83 from 2 reviews

Want to see more from Zopa?

Credit card
from Zopa 4.87 from 44354 reviews
Fixed term savings account
from Zopa 4.86 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub