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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)

Very simple way to get a loan

I had a loan a few years a go with Zopa, so being on the system made it so easy to get another one when I needed to. Reviewed on: 30th May 2017

Quick & Easy

A Zopa loan was easy to apply for on line & the decision made quickly; with very competitive rates! Reviewed on: 30th May 2017

Smart, simple and fair loans

Needed to consolidate loans with a fair interest rate and found Zopa to be the best choice. Applied online and was given an answer within minutes and had the money the next day. Reviewed on: 30th May 2017

Great!

Very easy process, great interest rates Reviewed on: 30th May 2017

Simple and straight forward

I got a car loan that took next to no time to set up Reviewed on: 30th May 2017

Fast and easy

Interest rates were excellent and the process was easy and money was available very quick. Excellent Reviewed on: 30th May 2017

Very simple peer to peer lending - who needs old school financial institutions!

Kodak didn't see the digital camera coming and taxi drivers didn't see Uber in their rear view mirror. Old school financial institutions should really worry about Zopa. The world is changing and Zopa is the future - power to trustworthy individuals, rather relying on legacy financial institutions. They no longer have a monopoly on the market! Reviewed on: 30th May 2017

Reliable

Quick aproval and lowest rates around. Would recomend it Reviewed on: 30th May 2017

Simple and easy to understand

Very simple and and easy . I would recommend Zopa for any financial needs. It's easy to understand and no hidden extra costs Reviewed on: 30th May 2017

Helpful in times of need

I was able to borrow in times which I really need financial assistance. I would say that the APR offered was not really great as it was high APR but was able to borrow money. Reviewed on: 30th May 2017

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