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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)

Quick, easy and hassle free!

It took 5 working days for the funds to reach my account with one wage slip needing to be uploaded! I've also made additional payments and the whole process has been super easy! Reviewed on: 22nd December 2016

Excellent service no messing around cash in bank next day

Great professional service l Interest rates very competitive Reviewed on: 22nd December 2016

Easy to use, not extortionate interest

Got my loan for a new car, very easy to use and never had any problems, the interest that needed to be paid was really good, the lowest I found. Have already recommended to friends and family and they have had a good experience too. Repaid my loan early at no extra cost and was very straight forward. Reviewed on: 22nd December 2016

Great and efficient service

Quick to transfer money and very easy to use online Reviewed on: 22nd December 2016

Easy and cheap, just like me...

When I heard about Zopa many years ago, I thought it'd be too good to be true. Peer-to-peer lending sounded too good to be true. I assumed it'd be difficult to organise, or get money. I assumed it'd be risky, the interest rates works get hiked up or they'd disappear. I thought they'd get swallowed up by some big bank. None of my worries were founded. It's simple; relatively low cost and they show no sign of going anywhere. Next step... Become a Zopa lender! Reviewed on: 22nd December 2016

Great rates, user friendly

User friendly website, clear application process, excellent rates - all these things combined make for a very happy customer. Reviewed on: 22nd December 2016

Great rate, great service and decent features

Applied for a loan at at very competitive rate, got the money quickly and can even make overpayments. Very happy with the whole service provided Reviewed on: 22nd December 2016

User friendly super Zopa

Online application answered in seconds. Good interest rates and totally hassle free. Reviewed on: 22nd December 2016

Responsible and perfectly simple

The process was simple and easy to understand. Not to mention the great rates Reviewed on: 22nd December 2016

Great Experience

Taking out my loan with Zopa was a very uncomplicated experience. The staff were more than helpful with any queries and the loan was in my account very quickly. Highly recommended. Reviewed on: 22nd December 2016

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