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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 reviews)

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4.91

Based on 69,090 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 (69090)

The best P2P site

I needed a quick loan with a low interest rate however many of the traditional banks and building societies were unable to provide me with the funds in time or with a reasonable quote. Zopa was recommended to me by a friend and I couldn't have been happier, the service was excellent and everything was explained thoroughly. Within a matter 48 hours of applying I had the money in my bank, not to mention at a very good rate of interest. I'd highly recommend Zopa to anyone who requires a loan, or for anyone thinking of become a lender. Reviewed on: 22nd June 2017

Fast, simple, clear and a very competitive rate

Very simple to apply, quick response and a fantastic rate so very happy with the whole process. Reviewed on: 22nd June 2017

Excellent lender

Great company, good customer service Reviewed on: 22nd June 2017

Excellent service

I got the loan I needed without impacting my credit rating before hand unlike other providers who impact your creditrating and then to be told I was unsuccessfull. Reviewed on: 22nd June 2017

Ease of usr

I have now had 2 loans from zopa, went to them for the second one because I was so impressed with how easy their on line system is to use. Reviewed on: 22nd June 2017

Great service

Easy to apply, proper checks made so responsible lending. Quick decision, everything explained clearly. Would highly recommend. Reviewed on: 22nd June 2017

pain free and professional

100% easy to follow application steps with options available. Totally secure and painfree. Decision immediate. Reviewed on: 22nd June 2017

Simple fast & professional

Decided to use Zopa after my bank was offering fantastic low rates.but had to take out more money. No thanks,Zopa had great rates, low fees so easy and user friendly. Would recommend these guys over a high street bank any day Reviewed on: 22nd June 2017

Easy and simple service

I found applying for a loan so easy and simple. The website is easy to navigate. You have options to increase your loan and pay extra. You can easily view what your remaining balance is too. Reviewed on: 22nd June 2017

Easy, plesant loan

I'm relatively new in this country and I had (have) a plan. The loan from Zopa was simple, easy and quick. Filled out the form, sent the requested docs, got a call from them and I got the money. I definitely recommend if you have a (relatively small) shortage in you budget. Reviewed on: 22nd June 2017

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