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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)

Quick and easy

Quick and easy to use with one of the best if not the best rate. I'm still waiting for my cashback from the promotion though, some say they got theirs in a few days, I'm still waiting after a few months. Will use again for any consolidation needed. Reviewed on: 23rd June 2017

Great loan company

Great customer service would definitely recommend to friends and family Reviewed on: 23rd June 2017

At last!

An easy application and a very fair interest rate. So much lower than other providers. Reviewed on: 23rd June 2017

Fantastic

Zopa have taken away all of the stress of our wedding by allowing us to pay everything off at once, allowing myself and my future wife to concentrate on the things that matter. Highly recommended. Reviewed on: 23rd June 2017

Fast efficient service

Great service, great rates and good communication. I'd highly recommend. Reviewed on: 23rd June 2017

Amazing easy to apply, decision very quick, very competitive rates

Applying was very straightforward and the decision was made within hours, the rate was the best in the market, would highly recommend them. Reviewed on: 22nd June 2017

Easy, fast and fantastic interest rates.

Just seems such an easy service to use and couldn't find a better deal. Perfect! Reviewed on: 22nd June 2017

No-brainer!

I bought a car from a dealer I didn't really know so I paid with credit card as it gives extra consumer rights and redress if things go wrong. I couldn't afford to settle the debt immediately so I looked for a loan that was affordable to pay off the credit card. The Zopa interest rate was 5%, four times cheaper than keeping the debt on the credit card. No-brainer. Over two years I'm paying only £200 in interest. That's £8.34 a month. Great value I'd say! Reviewed on: 22nd June 2017

Consistently simple & brilliant

Always a positive borrowing experience - straightforward, speedy & honest. Reviewed on: 22nd June 2017

Very Easy to use with clear, understandable terms.

What makes this loan provider better than most is the simplicity of its platform. Not to mention the great rates it offers even for costumers with poorer credit scores. Zopa's website and documentation is clear, legible and fair. Reviewed on: 22nd June 2017

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