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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)

Great service

Quick easy and good value. A loan to replace all the bad aprs Reviewed on: 30th May 2017

Quick easy loan with fast response

Quick response, fast loan, few questions, real straight forward and easy application with a quick response time! Would recommend! Reviewed on: 30th May 2017

No-fuss, quick and easy application

I was a little apprehensive about applying for a small personal loan due to having an adverse credit history. However the online application process was quick and easy, I got an instant decision with full interest and repayment details, and received the loan funds in my bank account within just a couple of working days. I'd recommend Zopa to anyone considering a small loan. Reviewed on: 30th May 2017

Pretty good

The interest rate was low and stays low, the decision was quick, although it did take some time for the money to be transferred and in this modern world of same day transfers I don't think paying extra for same day is really justifiable. But overall pretty good. Reviewed on: 30th May 2017

Excellent service - highly recommend

Zopa is great. The application process is quick, simple and secure. They never bother me with marketing emails and I can login to check the status of my loan and repayments at any time. Suits me perfectly. Reviewed on: 30th May 2017

No hassle, straight forward and best rates ever

Very straight forward, no hidden information or charges, best rates guaranteed. online access help to keep a track of our payments. highly recommended Reviewed on: 30th May 2017

Excellent and flexible

I finf Zopa excellent and extremely flexible, i can make overpayments and have my monthly amount instantly adjusted. If I want to I can clear the loan immediately and incur no additional charges. I have used for a number of years and will continue to do so. Always my first port of call for a loan and recommend to anyone after a loan. Reviewed on: 30th May 2017

Excellent loan and service

Excellent rate, quick and efficient service with a decision in few minutes Reviewed on: 30th May 2017

Great Service

Can't fault at all. Would definitely use again. Reviewed on: 30th May 2017

Excellent and friendly service

I used zopa to consolidate a few diffrent debts around a year later I did the same and got a better Apr rate at the same time, anytime I've been on the phone the staff are helpful and go that extra mile to help you Reviewed on: 30th May 2017

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