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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)

Speed decisions, no early repayment fees, good website

As the title suggests, I have been very satisfied with Zopa's service and truth be told can't see any way that it could be improved. The decision was virtually instanteous, there are no early repayment fees and the website is exceptionally easy to navigate as well as mobile friendly. Would highly recommend. Reviewed on: 22nd June 2017

Easy, fast and flexiable

Needed a loan for my wedding, had a good rate of interest. Able to pay off early also, good costumer service as keep me informed via email. Reviewed on: 22nd June 2017

Convenient

Very convenient and easy going service and lender. Reviewed on: 22nd June 2017

Simply the best

Over the years I have had many loans but zopa is by far the best independent loan I've had so easy so friendly such good rates many thanks Reviewed on: 22nd June 2017

Excellent service

Very easy and straight forward to apply and set up. Excellent service Reviewed on: 22nd June 2017

Great service reasonable rates

I have a loan to consolidate credit cards etc. I chose zoos for their fair repayment rates and great customer feedback online. Quick come back and payment of money. Friendly service and regular contact about my loan and repayaments. Great thing as they do not bother me trying to get me to take more loans out or to increase my loan. Reviewed on: 22nd June 2017

Zopa just simply the best

Started with zopa last year. Since ive been with them, repayments have been very easy to do. Am able to check how much have paid and how muchs left. They also have good features like able to change my payment date with no charge and also pay off my loan as soon as i get the money. Their interest rate was the cheapest and lowest on the market. I will recommend them to anyone. Reviewed on: 22nd June 2017

Quick and easy

I've had two loans from Zopa and both times they've been extremely quick and efficient with very reasonable rates. Wouldn't go anywhere else now! Reviewed on: 22nd June 2017

Nice to not worry about my loan

Easy, fair transaction that has allowed le to access money quickly with an encouraging way of repaying it. Reviewed on: 22nd June 2017

Great company !!!

Totally delivers what they say they will do , loan approved where i have previously not been able to get credit , helpful people on the phones who you get straight through to someone no diversions ! Loan in bank within 2 days amazing !!!!! Reviewed on: 22nd June 2017

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