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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)

Excellent experience when taking out a loan

A quick and easy application,with excellent interest rates. Thank you, Zopa! Reviewed on: 22nd June 2017

Great quid service

Really good service, easy to deal with. Reviewed on: 22nd June 2017

Easiest loan company I have dealt with

Forget the banks top company does exactly what it says on the tin Reviewed on: 22nd June 2017

Hassle free answer to borrowing

Using Zopa couldn't have been easier. The site is stylish and simple to navigate, we had the money in our account within 48 hours. I'd highly recommend using Zopa to everyone Reviewed on: 22nd June 2017

Simples

Very straightforward application process, great rates and your money super quick. What more could you ask for!! Reviewed on: 22nd June 2017

So glad I listened to my friend.

My credit report was slightly below average, but to my frustration my income would far overthrow my monthly outgoings.... Ordinarily I'd get an unsecured loan with my current account. But I found out I could get a far FAR better APR through peer to peer lending. It was possibly the smoothest application online. No nonsense, no fuss. It's a yes, or no... And when it's a yes, it's dropped straight in your account. Have already got two friends on Zopa and the list will continue to grow! Reviewed on: 22nd June 2017

Straight Forward and Cheap!

I read a few bad reviews and got quite scared that I had applied for a loan with Zopa.. was proved so wrong when I took out quite a large loan for my age and now only have £600 to pay on top of the amount I took out. Would definitely be the first place I look if I need another loan.. so much better than car finance too. Reviewed on: 22nd June 2017

Hassle free personal loan. The way it should be done!

After browsing my credit score I was recommended a loan through zopa. After clicking a few buttons and inputting some information I was quickly accepted for my loan. I accepted and within 5 days the . Oney was in my account. It couldn't have been easier. It's stress free. Hassle free and does exactly what it says it will do. Great product. Highly recommended. Reviewed on: 22nd June 2017

The people's lender

Simple, easy to deal with, accessible through your account online to check the remaining balance, term length/remaining, to make overpayments without having to make time consuming phone calls. Would definitely use again. Reviewed on: 22nd June 2017

Zoos has a very good customer service

Very quick decision and very good rates Reviewed on: 22nd June 2017

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