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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)

Min fuss - minimal middlemen

We needed urgent work on our bathroom in the run up to Christmas due to water damage. There were 3 seriously unhappy teenagers wanting the shower fixed pronto. My sister recommended Zopa and they were the perfect solution - minimal fuss to set up so we could get on with the job of fixing our bathroom & returning family harmony just in time for the festivities. What's more we really liked that it was money lent by people like us meaning there were minimal middlemen! We wouldn't hesitate in going to Zopa again for loans and we'd happily recommend them to anyone. Reviewed on: 2nd June 2017

TOP NOTCH

EASY, NO HASSLE LENDING, SOOOO MUCH EASIER THAN GOING TO A BANK Reviewed on: 2nd June 2017

Amazing

Quick, simple and always helpful. If you choose to use anyone else, tough luck be smarter next time. Reviewed on: 2nd June 2017

"Zooming Zopa"

Quick, Easy and stress free, the only stress from the whole experience was the wait for the email telling me if I'd been accepted or not, and to be honest the reply was so prompt even that was ok... Very happy. Thank You Zopa! Reviewed on: 2nd June 2017

Fast and easy

Brilliant easy service from start to finish Reviewed on: 2nd June 2017

Quick easy brilliant

From the moment I started my application everything was seamless and I was approved and had the money in my account within days first class service Reviewed on: 2nd June 2017

Great competitive business

We used Zopa to consolidate a couple of small painful loans. The whole process was very easy-from completing the online forms to receiving the money was very quick. The great thing about Zopa is we can track the loan online even when our lenders change hands as so often does with cloud sourced money. We will be looking at using Zopa when we come to buy our next car-hopefully it will last a few more months!!! Reviewed on: 2nd June 2017

No hassle application

It is easy to apply for a loan with Zopa. Efficient, customer friendly service. You can also pay off your loan in full at any time with no penalties. Reviewed on: 2nd June 2017

So easy!

As someone with a very poor credit rating I was very surprised that I was accepted for a loan. The money was in my account in less than two days,well before I expected it. Their interest rate is very low, much much cheaper than any other company. I wouldn't hesitate to recommend Zopa to friends and family. They are the best by far!!! Reviewed on: 2nd June 2017

Great service

Applied and had cash within 3 days Reviewed on: 2nd June 2017

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