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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)

Just simply a better, more accessible way to get a loan than conventional banks.

Zopa provides such a clear experience. The core of what people want to know is displayed so clearly, and simply. Working in an office on a remote industrial estate, its often difficult to get to a bank, and these days, difficult to find an appointment with so many banks getting people to switch with such good promotional offers. Zopa provides such a flexible, online, way to apply and get a loan. The amount and repayment period you select automatically displays the monthly repayments, and the associated interest for that configuration. Whats more, I found that Zopa loans were way more competitive on lower interest rates than regular banks. It is also fantastic how upon choosing the bank account to pay your loan into, you can choose to set up a direct debit from that account so your repayment is paid consistently, and removes the hassle of having to set up the DD yourself, and can put it to the back of your mind. In addition, what i love (even though I havent needed to change it around), once your loan has been completed, you can change the date of repayments, which is such a great feature. Superb! And would absolutely recommend Zopa to friends and family... already have done! Reviewed on: 22nd June 2017

Why didnt i think of this fantastic idea, what did we do before we had zopa

Straight forward easy to deal with, a pleasure doing business with you zop's My new bbf Reviewed on: 22nd June 2017

A first class service!

Excellent customer service every time. Easy to arrange and flexible. Reviewed on: 22nd June 2017

Fast and up front

Really quick with the rate clear before the application went through. Clarity in a confusing marketplace. Reviewed on: 22nd June 2017

Brilliant!

I found that Zopa is the best value for money and has the customer service to go with it! Fast, efficient service. Effortless!!!! I would 100% recommend Reviewed on: 22nd June 2017

Great service

Customer service was very helpful and friendly, zopa app easy to use. Speedy service at good rates. Reviewed on: 22nd June 2017

Trust

The best company that you can rely on and trust. Reviewed on: 22nd June 2017

Peace of mind

Competitive easy to understand and straightforward no messing borrowing. Reviewed on: 22nd June 2017

Great Service

The loan was easy to apply for and paid in to my bank quickly, it is a great service Reviewed on: 22nd June 2017

Quick decision, great rates.

Applied for a loan and it was in my bank within 2 days, great loan company. Reviewed on: 22nd June 2017

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