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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)

Zopa.... Simply a great borrower!

I had gone previously to my own bank that was adverting 3.3 % it went up to 7.3 % when in the application and I had been with my bank for 20+ years and they hold my wages but Zopa offered the same deal the application took 5minutes and got want I needed. Can't get better than that.... so I recommend zopa in a heartbeat! Reviewed on: 10th June 2017

Competitive rates.

Competitive interest rates and completely stress free application process. Approval of my loan application was very prompt and straight forward. Altogether a most satisfying experience. Reviewed on: 10th June 2017

Super fast and super friendly service

Zopa has taken lending to a new level of customer service as well as ease of use and the application process itself. The application process is easy to follow and gives customised options for review before even applying and before the credit file is affected. The staff have also been more than helpful and responsive to queries, plus customers can keep up to date on the progress of application, both by logging into account and by receiving emails. It's clear that the whole process is run by real people and not by an impersonal automated system with unrealistic criteria. There's also no hidden or unexpected charges, and the loan can be repaid early with ease at any time. So far one of the best companies I've come across, not just in the lending trade! Reviewed on: 10th June 2017

quick and easy

I applied for the loan online, it was ageed quickly, money went into my account and the repayments set up. I can check my account easily online. Would use the company again and recommend it to friends. Reviewed on: 10th June 2017

Convenient, fast and reliable

I have applied for a few loans from Zopa in the past and each time it was trouble free. The rates are good, transaction is fast and in my experience its easier to get a loan from them. I have had no problems settling my loans before the due day as well. They are now my first choice when applying for a loan. Reviewed on: 10th June 2017

Excellent fast service

Was given and idea of where I would be accepted before applying. Simple easy and quick. Reviewed on: 10th June 2017

Efficient Service

Very competitive rates and the money was transferred into my bank account extremely quickly. Would definitely use them again and have no hesitation in recommending Zopa to family and friends. Reviewed on: 10th June 2017

Great lender

Really efficient great lender quick decisions and reasonable rates Reviewed on: 9th June 2017

Excellent

Very easy to apply,received answer really quickly.Zola found best loan for me.excellent Reviewed on: 9th June 2017

excellent service

Efficient, friendly and helpful - what more can I say! Reviewed on: 9th June 2017

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