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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)

Easy loan

Fast friendly affordable. Great service and so easy to deal witg Reviewed on: 30th May 2017

Definately the best of the best

I have borrowed from zopa quite a few times in the past and currently have a loan with zopa, its definately the best company to get a loan from as its very quick and interest rates are very reasonable. I reccomend and will continue to reccoment zopa to everyone i know and A handful of family members and friends of mine have also started to use zopa and also love how quick and easy it is. Reviewed on: 30th May 2017

Lending how it should be...

I've always liked the idea of peer to peer lending but had never had a borrowing need until recently, when we purchased a new car. I applied, for a decision within hours and the money in my bank quickly so that we could go ahead and look for our new family car. What's better is that I managed to get a rate of 3% which is better than my mortgage! I recommend Zopa to anyone looking for a loan now. Reviewed on: 30th May 2017

The best loan company ever

Great service ! I got my loan for home improvement approved in 5 min with no extra afford from my side. Money were in my bank account in next 2 days. No hidden fees, lowest % of interest. Recommend Zopa and will use them again Reviewed on: 30th May 2017

Fantastic! Highly recommend

Have used Zopa twice now. Both times have been faultless, quick and easy. If I ever require another loan, I will definitely use Zopa Reviewed on: 30th May 2017

Quick and easy service.

Zopa loan terms and interest came back as the most competitive available and the loan was completed quickly and hassle-free. Reviewed on: 30th May 2017

Excellent

Excellent - Simple and very quick access to money in no time Reviewed on: 30th May 2017

Much Easier to Deal With than Traditional Banks

The application process is straightforward and quick. It would be helpful to have some of the underwriting criteria explained when a loan offer is made for a lesser sum than sought or at a different interest rate from the Zopa headline rate. Zopa would be my benchmark against which I would score any other credit provider. Reviewed on: 30th May 2017

Quick and easy application

I chose Zopa to finance my new car, I was surprised how quick and easy it was to fill in the application to getting the money in my account. No hassle and the interest rate was excellent too, very happy with Zopa. Reviewed on: 30th May 2017

Impressive and realistic to working class.

Excellent customer service with an impressive online account. I can see how much I borrowed over what period of time and repayment amount all at the click of a button. What's more is there are no early repayment fees and I can choose to pay off more if i want to without any repercussions! This is an excellent benefit as it means if i have spare cash in a month i can use it to lower my repayments. It also gives me the flexibility to repay the loan early If I can and want to meaning your not actually tied into the yearly contract. Very quick credit check which let me know instantly if I had been accepted. Money was in my account when promised and helped me out of a very tricky situation which would of left me with no transport and unable to get to work. Interest rates are amazing compared to others on the market. A very fair and reliable loan provider. I would be more than happy to recommend zopa to anyone! Reviewed on: 30th May 2017

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