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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)

Fantastic and so easy to setup.

Great smooth experience. I had the funds in my account within days and the online account management is super easy to use. Reviewed on: 30th May 2017

Great loan provider

Zopa gave me a great loan quote with low APR, which meant it was affordable to help me with some debt consolidation. Quick and easy application, the money was in my bank the following day after approval, couldn't be happier! Reviewed on: 30th May 2017

Easy, seamless experience

The easiest way to get a loan in minutes! Super intuitive website, friendly customer service staff, all round great, painless experience. They make it all so easy to understand and take the fear out and uncertainty out of of applying for a loan. Reviewed on: 30th May 2017

Fantastic, quick, efficient, hassle free service

An all round simple and fantastic service. Reviewed on: 30th May 2017

Terrific from start to finish

Fantastically efficient and website very easy to use. The process was very easy from start to finish. Their terms clear, fair and customer service so willing to help. Could not fault a single part of the process Reviewed on: 30th May 2017

Delighted and love the business model

I stumbled across Zopa through a comparison website for a car loan and they were in the top 2 of options. Not only did their setup take minimal time but the model of p2p lending is one that I really liked the idea of over a conventional bank and knew that my interest was some savy investors gain. Very happy and I will be back soon, maybe even to invest! Thanks guys! Reviewed on: 30th May 2017

People friendly service

Easy to use no nasty surprises paperwork straightforward. Customer focused x good rates. No long waits Reviewed on: 30th May 2017

Quick & Clear process

Quick access to money. Clear process, easy to track repayments status and early repayment calculation. Reviewed on: 30th May 2017

Very Happy

I have been really pleased with the service so far, I got my conformation email after only a couple days and the money transfered shortly after, very happy. Reviewed on: 30th May 2017

Very quick and simple service

Very fast approval, money into my account within a couple of days. Overpayments can be made whenever I wish, at no penalty. Reviewed on: 30th May 2017

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