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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)

Great fast service

Money was transferred very quickly- would recommend. Reviewed on: 30th May 2017

Quick decision and transfer

After being refused other loans from different lenders I did not expect much but my application was reviewed and accepted and the money transferred within 48 hours. A very simple process and I would recommend zopa to anyone. Reviewed on: 30th May 2017

Took the headache out of getting a loan

It was so easy and straightforward to get a loan through Zopa! I was able to complete the application in about 15 minutes and then the approval process was equally quick, which saved a lot of stress. Once I had entered my information, the loan options were shown to me in a clear, understandable way, making it simple to pick the loan that would work for me the best. The funds reached my account quickly as well, so I found the process really smooth and efficient. Reviewed on: 30th May 2017

Great rates

Easy to apply and fast on decision on application. Also Zopa did telephone me quickly about forwarding the relevant information. Best loan rates around, thank you Martin Lewis. Reviewed on: 30th May 2017

Great option for a loan

Such an easy process and money was in my account so quickly! Would definitely recommend! Reviewed on: 30th May 2017

Fantastic lender

Really easy service to use from initial application to on going management of my loan. Conbined with the great interest rate I would highly recommend Zopa as a lender. Reviewed on: 30th May 2017

Continuous great service

Simple and easy to use! The only website is a delight and so easy to navigate and track how your loans are going and they even make it easy to take out another loan quickly for when those unexpected costs crop up! I highly recommend if you're looking to either borrow or invest! Reviewed on: 30th May 2017

Simple, straight forward and quick

After ending up on Zopa after reading reviews and recommendations the site really did make the experience easy to complete and informative. The website was straight forward and the transaction took place quickly and without fuss. the rate was incredibly competitive and everything was done online. Reviewed on: 30th May 2017

Fab service!

Quick, easy and hassle free. Great rates and would happily recommend Reviewed on: 30th May 2017

Quality service

The application was quick and simple, and I received a prompt response within the suggested timeframe Reviewed on: 30th May 2017

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