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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)

Fight the big boys.

Zopa's borrowing rates are highly competitive, and by using a peer-to-peer system you are keeping the profit out of the hands of the fatcats. Reviewed on: 5th June 2017

Best price easy set up loan

Went with zopa as lowest interest charge and very easy to set up all online. I'm really happy with my choice for a personal loan and the money was in my account very rapidly... Reviewed on: 5th June 2017

Easy and flexible company

Loan was approved and in bank within a few days Reviewed on: 5th June 2017

Easy, Helpful and Great Value

We looked around for a flexible loan that gives great value, although this was not the cheapest out there, it was what we were looking for. We can make over payments without being charged for it, the staff on the phone are knowledgeable and very helpful and if I were to need another loan in the future, I wouldn't hesitate to recommend or return to Zopa. Reviewed on: 5th June 2017

Quick service, easy UI

Can't imagine a better online service! Straightforward and efficient! Reviewed on: 5th June 2017

Smooth running

very easy to deal with, Did a soft search to see if i was eligible for the loan i required, i then completed the form, and was notified within 2 days that i had the loan, money was in my back as stated. easiest application ever. Reviewed on: 5th June 2017

Great service, highly delighted

From the initial application process to the money arriving in my account was seamless. Highly impressed and will be using again without doubt! Reviewed on: 5th June 2017

Quick and easy application process

Simple application process which is complimented with helpful and friendly staff. Quick decision and money transferred within a couple of days. Reviewed on: 5th June 2017

cheapest rates I could find with a good monthly payment

Much cheaper to get a loan from Zopa than any of the banks who charge you a much higher APR Reviewed on: 5th June 2017

Top draw

Very happy with Zopa. I would definitely use them again in the future. Good rates and very quick. Reviewed on: 5th June 2017

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