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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 from start to finish!

The application process is very straightforward, and the team are really friendly. Once accepted the funds were deposited very quickly! I would happily reccomend ZOPA to anyone. Reviewed on: 30th May 2017

Excellent

I had never heard of this company before I found them via the Money saving expert site. Quick quote without affecting creditscore which approved interest rate as advertised. Immediate approval online and funds transferred very quickly without any hassle. Online monitoring of account makes it easy to follow progress. I have already recommended this company to friends and family. Reviewed on: 30th May 2017

Easy to use and flexible solutions

Every question I had was invariably answered before I had asked it!! Reviewed on: 30th May 2017

Efficiant

Efficient in my account the followi g day. Reviewed on: 30th May 2017

The best peer-to-peer lender

Fees are quite low compared to other lenders. There is not penalty (extra charges) for early repayment of your full loan, which is awesome! Reviewed on: 30th May 2017

Quick and efficient loan

Was approved for a loan straight away and had the money within 48 hours. Easy application online and user friendly. Reviewed on: 30th May 2017

Great value and easy application

Zopa are good value for the money borrrowed. No excessive apr fees and the money is in your account really quickly. I would recommend to everyone. Reviewed on: 30th May 2017

The most stress-free credit application possible

An amazing service received - quick decision, stress-free application, and I received the funds within a few days. Would definitely recommend to friends and family - can't fault Zopa. Reviewed on: 30th May 2017

Fantastic

Great service and speedy decision. Would recommend Reviewed on: 30th May 2017

Extremely quick decision and hassle free experience

Zopa ranked top in a search for credit providers when looking to get a short term loan for some new transport. Time was of the essence and Zopa had a quick, no hassle decision and quick access to the money. Reviewed on: 30th May 2017

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