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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)

Speedy and hassle free

As someone who's never really had a great credit score, due to a few immature financial blips in my teenage years, I found Zopa to be incredibly easy, and fuss free. Not to mention fast. We had just bought our first home, and needed some extra funds to pay for furniture etc. I looked on Money Saving Expert, which highlighted Zopa as the best option for me. Within 3 days I had been approved for my loan and had the money waiting in my account. We found this experience so good that relatives and friends have both taken out loans with Zopa since! Reviewed on: 30th May 2017

Cheap and easy loan

Easy to arrange and the cheapest at the time... Reviewed on: 30th May 2017

Top notch service and rates

I was aprehensive however it was a breeze from start to finish. Great service, great rates all round great company Reviewed on: 30th May 2017

Awesome

Very fast, low interest rates and great customer experience. Reviewed on: 30th May 2017

Fantastic and easy loan

I shopped around for ages looking at small loans but could not find any with affordable interest rates until I came across zopa. I thought with their prices so low there must be some sort of catch but was pleasantly surprised to find there was none. I applied for the loan and was excepted straight away three days later the money was in the bank. Very happy Reviewed on: 30th May 2017

Excellent value

Best rates I have known in all my 80 years and first class customer service Reviewed on: 30th May 2017

First Class Service

After going to various lenders the experience from start to finish with Zopla was seemless, hassle free and simple. Reviewed on: 30th May 2017

great loan company. when I needed a loan for a car Zopa were their!!!

great so easy to get a loan would use Zopa again!!! Reviewed on: 30th May 2017

Loan ? Only Zopa.

I have been looking for money to buy a car. Research on internet shows me few offers from bank's, unfortunately non of them gives me loan with such a low interest as Zopa. That was the easiest way to apply for loan. Instant online decision. Three days after money was in my account. No hidden charges. Absolutely fantastic. I would recommend Zopa for everyone. Thank you Zopa for my new car. Reviewed on: 30th May 2017

Brilliant Loan provider

Zopa have helped me out many times and their customer service is second to none. I trust nobody else but Zopa David Evans Reviewed on: 30th May 2017

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