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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)

Amazingly low rate and so easy to arrange with simple, uncomplicated paperwork

The rate I received through Zopa was far lower than I had been offered elsewhere. I felt like they recognised my excellent credit score instead of trying to profit from me. The arrangement was so easy and all online, which I much prefer. The forms and statements are clear and fuss free, and I would genuinely recommend Zopa to anyone looking for a loan. Reviewed on: 2nd June 2017

Just the best!

Searched online for the best deal and Zopa beat everyone hands down. So simple to use website and application process. Decision made almost straight away and finance in my account within 48 hours. I'll definitely be using Zopa again without a doubt. Reviewed on: 2nd June 2017

Great rates Great service

My experience of Zopa is very good,loan application approved promptly,offering fantastic rates and importantly no early repayment charges.Top marks Zopa Reviewed on: 2nd June 2017

Low rate

Receive my loan within couple of days. This is my 2nd loan at Zopa. Reviewed on: 2nd June 2017

No slippy slopa when you deal with Zopa !!

Joking aside this company is very competitive with its rates and makes it easy to apply for a loan So don't take the slippery slopa apply to Zopa Reviewed on: 2nd June 2017

Quick & efficient

I set up my account with ease and efficiency. Highly recommended. Reviewed on: 2nd June 2017

Fast, Easy & Great Value

Zopa was the first company I ever got a loan with. It was very simple using the slider to determine how much you need to lend, and how much you'll monthly payments will be. After this, the application is very fast and simply. I received my money a few days after application.. And also got an amazing rate. Highly recommended! Reviewed on: 2nd June 2017

Quick, straight-forward!

Really pleased with Zopa, I applied for my loan, was accepted and the money was in my account after 2/3days. Very happy! Reviewed on: 2nd June 2017

How it should be

Was sceptical when the rate was so good compared to high street banks. Got accepted straight away ON MY PHONE! The website is very easy to use. I changed my payment date very easily with no phone calls needed. 100% would recommend and use again! Reviewed on: 2nd June 2017

Great & speedy

Easy to do online and speedy response Money in bank straight away - good service Reviewed on: 2nd June 2017

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