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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69088 reviews)

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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

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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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Awards

Best banking app 2026

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

Zopa Personal loan reviews (69088)

A Relaxed Approach

Ive used "Zopa" for a loan and found them the best online service when looking for credit. Easy understandable language and great rates. Highly recommended with a professional touch. Reviewed on: 23rd June 2017

Perfect

Quick, easy, great rates, no early repayment fees - what more could you want? Reviewed on: 23rd June 2017

Very easy, friendly and efficient

Very happy with this choice, efficient, effective and smoothly conducted. Hassle free loan and thoroughly recommend. Top class. Reviewed on: 23rd June 2017

easy

Low rate,fixed rate ,easy to understand ,easy to pay back more if want , 2 loans had , no probs Reviewed on: 23rd June 2017

Easy to use and deal with

I was so easy to go for a loans with zopa and the rats are good to. you can see how much you have left to pay very easy to. you can alway pay more off the loan any time you like. I think that they are number one Reviewed on: 23rd June 2017

Simple

Quick and Simple, easy monlthy repayments and you can see where your up to when you log in to your account. You can also see you agreement and make extra repayments if you wish. Reviewed on: 23rd June 2017

Clear and simple process

I needed a loan to purchase a car. Soap provided excellent rates and it was a simple process to apply. Quick decision and funds deposited within week. Had opportunity to clear loan and again this process was quick and easy with no penalty! Highly recommend Reviewed on: 23rd June 2017

Faster loan provider

After we have been refused by our bank (I applied for a loan and it took like 3 weeks to receive the answer that it was negative), I tried to apply at Zopa without much hope and I was surprised when I saw that they accepted my loan very very quickly with the lowest interest that I ever saw in my life. I had the money in my account in 2 days after I had applied. Thank you Zopa for helping me!! Reviewed on: 23rd June 2017

Excellent service

Zopa arranged the loan for my car with no fuss and very quickly . I was delighted with the service and would recommend them to anyone . I will definitely use Zopa again! Reviewed on: 23rd June 2017

Great lender

It has been great and will be using again . Reviewed on: 23rd June 2017

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