Write a review

Newsletter

Go to business site

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Personal loan now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Personal loan reviews (69090)

Great company, no fuss

I got a loan with Zopa in order to buy a car and had a great experience. Application was easy and I had the money in my account in no time. Changing the payment date is fuss free and easy. I wish all lenders were like this! Reviewed on: 30th May 2017

A straight forward loan service. quick & easy,

Loan was approved quickly and without fuss, the online admin available for monitoring the loan is superb, recommended at all Reviewed on: 30th May 2017

Fantastic

Quick and easy to get money and you can track online Reviewed on: 30th May 2017

No hassle, simple to arrange, simple to repay.

I've taken 2 Zopa loans in the last 3 years and every time had a no fuss, informative and most importantly safe experience when dealing with them. Their website is easy to navigate and arrange the loan that is right for you with clear repayment options. With a loan approved their regular communication and account page makes its straightforward to check up on your repayments. I also found paying off a loan early very easy with no hassle and good customer service. Reviewed on: 30th May 2017

So Happy I Found This Company. Thank You!

Simple application process, low interest rates. Excellent customer services and really quick responses to all questions. Reviewed on: 30th May 2017

Amazing customer experience.

I find Zopa easy to use, they have been quick and Informative when I have dealt with them and I would highly recommend them to a friend. Reviewed on: 30th May 2017

Great moral model with ease attached too

Finally, a lending model which has built in responsible lending with the moral obligation of not letting your peers down. Coupled with an easy transaction and a great feel to the relationship I probably wouldn't go anywhere else right now Reviewed on: 30th May 2017

Quick and responsive

Was quick to get an answer and the money into my account. Zopa was the only loan lender that would help and have made all my issues go away with a cheaply affordable loan. Reviewed on: 30th May 2017

Excellence packaged

From start to finish the quality of care was exemplary. No hassle, no waiting and no hidden extras. Reviewed on: 30th May 2017

Great for saving and borrowing

We've been using Zopa for a number of years now, mostly lending as the rate of return was stellar in comparison to the derisory interest that banks are offering on their products (how laughable are ISAs these days?). Recently I took out a loan using Zopa so we could upgrade our bathroom and it could not have been simpler, everything online, applying was easy. I did phone up because I wanted to retrospectively add on the get the money quicker feature and the lady I spoke to on the phone was friendly and got the job done with no fuss. Management of the loan is simple, I managed to move the payment day on the website (I like all my vultures to swoop at the start of the month, after pay day). I would definitely consider Zopa for a loan in the future if it's going to be a hassle free (and competitive, rate-wise) as this again. Reviewed on: 30th May 2017

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Personal loan
from M&S Bank - Marks and Spencer 2.78 from 61 reviews
Loans
from TM Advances 3.81 from 1 reviews
Payday loans
from Cashfloat 4.77 from 678 reviews

Want to see more from Zopa?

Fixed term savings account
from Zopa 4.87 from 1795 reviews
Credit card
from Zopa 4.87 from 44354 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub