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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

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4.91

Based on 69,091 reviews, last reviewed 25th Jun 2026

63% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Smooth application, good communication They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted, everything ... Read more Reviewed on: 25th June 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 (69091)

Highly recommended!!

I have had two loans from Zopa. Great rates, quick decision - absolutely hassle free. Reviewed on: 30th May 2017

Highly Recommend

Application and process so simple and straightforward. Would definitely recommend Zopa! Reviewed on: 30th May 2017

Excellent quick and easy

Excellent loan sorted straight away, paperwork emailed. Excellent rate highly recommended thank you Reviewed on: 30th May 2017

Brilliant service

I applied for loan for it within three days. Applying was an easy process. Just amazing service.would recommend to all my friends and family. 10/10 Reviewed on: 30th May 2017

Appealing concept, flawless execution

I became interested in peer to peer lending and microcredit after reading about some of the community P2P projects in Africa and other third world areas. So when I needed a loan to part fund my car purchase I looked at Zips as one of the first entrants into the UK market. The whole thing was very elegantly done, from quoting through to loan acceptance and then tracking it through. Communication on the payments, peer loans and completing the loan was all excellent. No hesitation in recommending Zopa. Reviewed on: 30th May 2017

You don't need to borrow loads to get a great rate!

I was looking for a loan under £7500 and usually the interest tends to be higher under this amount, but thanks to Zopa I was able to borrow the amount I wanted with abit extra to treat myself at a great interest rate. I paid off my previous loan and borrowed an extra £1000 with hardly any change in my monthly payments. Reviewed on: 30th May 2017

They say what they can do ,then do it

I cant fault ZOPA , had the loan very quickly with no fuss Reviewed on: 30th May 2017

Vote ZOPA

Best APR ever.it saves my live when I needed and I will strongly recommend ZOPA to all my friends Reviewed on: 30th May 2017

No hassle loan company

No problems at all and really easy to arrange a loan , payouts are really quick all in all 1st class experience Reviewed on: 30th May 2017

Speedy loan

Opened a loan to consolidate debt very speedy process Reviewed on: 30th May 2017

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