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)

Hassle free and very, very quick.

I needed to do some home repairs in order to get my house on the market. My bank wouldn't give me a loan so I turned to Zopa. Within days of my application I had the money in my account and was able to have a new bathroom fitted. Monthly payments can be set to a manageable rate suited to your own ability to pay. I'd recommend Zopa to friends, family and business associates. Reviewed on: 23rd June 2017

Number one

Very helpful and fast, no messing about the process was extremely easy to understand Reviewed on: 23rd June 2017

very quick to receive the money and at a great rate.

found zopa on my credit report site. the loan was already guaranteed and i had the money sent through very quick and at the best rate as well. zopa has a very easy to use website which lets me keep a track of my paymentes and very easy to overpay as well. Reviewed on: 23rd June 2017

Excellent investment opportunity.

A reliable platform providing excellent returns. Very easy to use. Reviewed on: 23rd June 2017

Straight forward and easy

Getting a loan with Zopa was incredibly easy. As a company I hadn't heard of with a lending model I was unfamiliar with, a quick phone call to them to check they're above board put me through to a very helpful customer service team who described exactly how it works. You apply online and the process literally takes minutes. I had the amount I needed agreed at an interest level none of the traditional lenders could touch and the money in my account the next working day. Your online account gives you complete control of your loan too, like changing the payment day or making lump sum payments, and is very easy to use. Overall very impressed and I will not use a traditional lender again. Reviewed on: 23rd June 2017

User friendly and fair

Relatively simple to arrange the loan and receive the money as someone with a good credit rating. I like the way that I can log in to my loan account and that there is the option of early repayment. Reviewed on: 23rd June 2017

My car loan

The whole car buying experience was made even more enjoyable with Zopa. Incredibly simple process, great communication from the team. Really helpful and informative. I couldn't recommend them highly enough. Reviewed on: 23rd June 2017

Zopa

Very good APR rate i can only recommend it im very satisfied with them Reviewed on: 23rd June 2017

Best loan on the market

I have used zopa twice now and both times I have been delighted with the speed, friendly staff and low interest rates. I would never go anywhere else for a loan. Reviewed on: 23rd June 2017

Good choice

Simple process and a quick decision, it's early days of my time with Zopa but I have no complaints. I'm glad I went with them out of the options I was looking at. 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
Personal Loan
from TSB 3.96 from 23 reviews
Logbook Loan
from eLogBookLoan 4.38 from 13 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