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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)

Excellent easy mange to pay instalment

Interest rate is v.low.happy with zopa family Reviewed on: 30th May 2017

Helpful loans

Zopas friendly and quick helpful service has helped me get my loan , great rates and the best around. Wouldnt go anywhere but with zopa from now on. Second to none.. Reviewed on: 30th May 2017

So So Easy

The whole process only took a few minutes on-line to complete and worked out a lot cheaper than my bank and the money was there within 24hours. Reviewed on: 30th May 2017

First class treatment

Very friendly staff that makes you feel valued Throughout the whole loan process Reviewed on: 30th May 2017

Very quick service

Very quick service with low interest Reviewed on: 30th May 2017

Loan approval

Excellent customer and online services I got my loan approved last month. Online application was simple and easy my loan got approved within few mins and money was in my account within 1 hour and above all very low 3.4% APR rate which I couldn't find any were else. Highly recommended to all the customers customer services department are always there to help Reviewed on: 30th May 2017

Simple & Effective

Needed money fast and quick and was hassle-free. Showed me final total repayment amount and the monthly amounts broken down. Was easy to follow and quick to complete. Interest was a little high but it was clearly displayed and there was no effort to hide it which made me confident in what Zopa were offering me. For me, the key was to see how much i was going to pay in total and what the monthly amounts would be and this was clear and easy to understand. Reviewed on: 30th May 2017

Quick and easy

It was very easy to apply and got the decision quickly. Got the money into my account while explaining terms and conditions very clearly. Reviewed on: 30th May 2017

Innovative, quick and superbly efficient

Zopa takes lending to a new level. They are not greedy and offer good rates. It is quick and easy to apply and they make a decision quickly. This spells disaster for other loan providers Reviewed on: 30th May 2017

SIMPLY straightforward

We needed a loan to purchase our car. ZOPA came in with the most reasonable and affordable rates by a landslide. The whole process was simple and quick to get set up and going. Next time I need a loan, they'll be my first port of call. Reviewed on: 30th May 2017

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