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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)

Quick quality service, easy as pie

Immediate decision good rates, prompt lodgement of money and easy repayments. Reviewed on: 22nd June 2017

A quick and easier way to borrow money

Can't fault the service. I have used Zopa twice after I was recommended the site by a friend. No charge to pay the loan back in full early either! Reviewed on: 22nd June 2017

Good rate loans

From the loan I got in February 2017, it's something I can pay comfy with out any hidden charges etc. Reviewed on: 22nd June 2017

Very worthwhile

Really easy and smooth to use very trusting sources Reviewed on: 22nd June 2017

Great service

Very competitive rates and great lending capability meant that it was a very straight forward process with money paid out quickly. Would recommend Reviewed on: 22nd June 2017

Quick and easy

Applied for a loan and it was agreed and payed into my account within 72 hours. What more could anyone ask for. Reviewed on: 22nd June 2017

Second to none service

Extremely helpful and courteous staff willing to help you whatever your situation Reviewed on: 22nd June 2017

Simple. Affordable. Great Service.

I came across Zopa whilst looking for a loan to pay off the balloon payment on my car finance. I applied online using the very quick and user friendly online application. Within minutes I was offered the loan I was hoping for. I was expecting to be offered less than the advertised interest rates... as this is the norm. To my surprise, Zopa were very honest and transparent (a breath of fresh air). I received the money in my account within a few days. Since receiving the money, I have had to use my online Zopa account to change the day my direct debit comes out. Within a few clicks this was done. No waiting on the phone to speak to a customer service rep needed. I do not usually leave reviews but I felt compelled given the excellent experience I have had. Kieran, from Southfields, London Reviewed on: 22nd June 2017

Easy, quick and hassle free

I have used zopa a number of times and have found the online application and customer portal easy to use and understand. Very quick service with a minimal amount of disruption. Reviewed on: 22nd June 2017

Awesome

I've always borrowed from banks but never again I was astonished when I checked my credit score and it suggested Zopa, I'd heard good things about them but never thought about going to them for a loan. So I gave them ago and wow!! I borrowed 15,000 pounds with the interest being around 750 quid over 3 years the payments were crazy cheap for the amount borrowed. If I had gone to a bank they would of wanted at least 18,000 back if not more I'll never ever use a bank again for a loan Zopa is the moden day way to borrow hands down , this company does what it says and the process was very fast after filling in a form online which took minutes I received a phone call the same day to check my details were correct and I received an email saying I'd been accepted a few hours later the money was in my account within 3 days can't argue with any of the service I received Great company ..... Thanks Dave Reviewed on: 22nd June 2017

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