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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)

Great rates and quick

The overall experience with Zopa has been quick and trouble free. There lending rates were the best that I had found so there was not a huge amount of cost to the loan. when approved the money was in the bank very quickly. Reviewed on: 31st May 2017

So quick and easy!

I have a low credit rating but needed a loan in a hurry, Zopa were so easy to deal with, and accepted me without imposing a ridiculously high interest rate too. Would definitely recommend Reviewed on: 31st May 2017

First Class Experience

From start to finish the loan application was totally different than any other I had been through. I felt at ease going through the application and everything was explained and detailed at a an outstanding level. The ease I experienced whilst applying for a loan from Zopa will definitely mean that I will use them again in the future when I need to. The ease of access to my account is amazing and the interface is easy to use. Would definitely recommend and wish them good luck with the upcoming awards. Reviewed on: 31st May 2017

Good loan

Quick reply on the loan no additional formalities Reviewed on: 31st May 2017

Zopa is simple, low interest and fast service

Zopa has a simple process in applying for your loan with a quick answer and good interest rates available, very happy with service Reviewed on: 31st May 2017

Very decent loan rate

Fast efficient service. Good turnaround time for getting the loan. No big application forms. Good rates as opposed high street Reviewed on: 31st May 2017

No ''BS" Peer 2 Peer Lending...

I had a need... I called Zopa... Within an hour it was sorted... NO ''BS" ... Just straight shooting! Reviewed on: 31st May 2017

Easy to apply and get a quick response

I had the pleasure of dealing with Zopa and had my loan approved in 2 working days. All was easy to do and set up a direct debit for paying back the loan. Hassle free by being able to do everything online. Would definitely recommend! Reviewed on: 31st May 2017

Quick, easy service. Great

Very easy to apply for, and explained in detail. Great service. Would defo recommend Reviewed on: 31st May 2017

Sorted me right out!

I managed to consolidate debts in to a manageable monthly amount at a market leading APR rate. The speed of processing and ease of application made the whole process hassle free. I am delighted with everything. If only i didn't need to pay anything back!! Reviewed on: 31st May 2017

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