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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 interest rates!

My partner and I got a great interest rate at a time when money is tight. Great for new families and new home owners! Reviewed on: 31st May 2017

Quick easy lending

The whole loan process was very easy and the money was received very quickly. Reviewed on: 31st May 2017

Easiest and best rates, would not try anyone else now

I have been borrowing from zopa for many years now and so have my family , on my recommendation. I have borrowed from Zopa for many reasons, from holidays to house renovations. They always have the best rates and for me the best part is no penalty for repaying early. The best by far Reviewed on: 31st May 2017

5*

Straight forward no nonsense application. Definitely recommend. Reviewed on: 31st May 2017

Brilliant and easy

It was so easy and took no time at all. Easy access to your account and you can pay off a little extra each month if you want to. Reviewed on: 31st May 2017

Top class service

Absolutely fantastic with how I have been treated and the way the loan works I can make over payments where needed and all the costs are laid out for you to see Reviewed on: 31st May 2017

Great loans, ideal for young family

After buying our first house my partner and I needed new windows and had run out of funds. The loan offered was amazing and helped us warm our new house. Very low interest. Brilliant! Reviewed on: 31st May 2017

Excellent

No problems with zopa! Would recommend to friends and family Reviewed on: 31st May 2017

Ethical lending and super helpful!

Competitive rates and no penalty for overpaying! Reviewed on: 31st May 2017

Totally Wonderful

I've purchased a motorcycle with my Zopa loan. The motorcycle dealership was way to high with their APR and Zopa saved the day with a much lower APR... Also the beauty of my Zopa loan contract is that I can make over payments and get it payed quicker. I will be using Zopa in future. Thanks Zopa you saved the day. Reviewed on: 31st May 2017

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