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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)

Helped in time of need

Zopa really helped me in a time of need. My credit rating was average with just moving house and they give me a large sum of money to help meet my home improvement needs and consolidated my credit card debt. Reviewed on: 30th May 2017

Straightforward alternative to lending and saving money

I both lend and save money using Zopa. The while lending process is straightforward, quick, and light touch. There's no piles of paperwork to fill in, no queue at the post office or bank to return paper copies. The money is made available quickly and I'm provided with a clear APR and cost breakdown on my dashboard. Best of all, I have the flexibility to pay the loan back early without penalty, which most other lenders usually include clauses against. Reviewed on: 30th May 2017

no fuss

fast efficient service, I will use this again Reviewed on: 30th May 2017

Quick response

I am very pleased!!! 5 stars!!! I will recommend you to all my friends. Reviewed on: 30th May 2017

helpful and friendly

I'm a Security Professional needed an extra money to get married in my girlfriend beautiful country, Philippines. I tried almost every common way to get a small personal but nothing and really I've never understood why because I've never had debts or left my bank account in red or anything else...... So I was very frustrated about my wedding until one night one of my manager advised me to give a try with ZOPA. Well everything was perfect.....they accepted my application and in one day they deposited the amount requested in my bank account, so I was able to get married the last month. In my opinion they consider any application and review your personal circumstances thinking about you as a person and not just a number like the banks are used to consider you...... THANKS ZOPA, THANKS SO MUCH. Reviewed on: 30th May 2017

Five Stars

Zopa is fantastic in everything regarding Loans. I will always recommend them for anybody. Reviewed on: 30th May 2017

Easy and stressful to deal with

Zopa met my needs whennothers companies didn't, easy and no stress Reviewed on: 30th May 2017

Excellent

I would definitely recommend this company as they are quick and very friendly Reviewed on: 30th May 2017

Great, no hassle company

Easy to arrange, no fuss, no hassle, just great loans at great rates. !!! Reviewed on: 30th May 2017

Easy and flexible

The application process was straight forward and quick. Website easy to use. The flexibility in paying back early worked well for me. Reviewed on: 30th May 2017

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