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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)

Recommend zopa

Absolutely brilliant service in every way. Will be recommending my friends and family to consider zopa Reviewed on: 21st December 2016

Highly recommended

I found the service easy to use i had my loan within a few days and the really low interest rates are an eye catcher Reviewed on: 21st December 2016

Great service

Applied at 3 places and Zopa was by far the easiest and simplest. Very impressed Reviewed on: 21st December 2016

Fast efficient effective service

First class turnaround from initial enquiry to receiving cash into my bank account best service I've ever experienced when applying for a loan. Reviewed on: 21st December 2016

The easiest and best way to apply and get loan

The loan for those in need sometimes it's not easy to get. With Zopa it was so simple and efficient and most of all majority of company's who are in loan industry they look at people in need as a lower class whereas Zopa it makes you feel like a human being. It's a business deal between the lender and the borrower. This is how I felt when I took a loan with Zopa. Reviewed on: 21st December 2016

no nonsense speedy loans

Simple straightforward and a pleasure to deal with Reviewed on: 21st December 2016

Easiest loan ever to apply for and ethical too.

I was made up to find that I could have a loan at a better rate than the banks and borrow from real people rather than the bank tapping in a few numbers and loaning me money that doesn't really exist. I will always use Zopa for loans in the future - this is the future of finance, and what better way to do it than through crowd funding - power to the people! Reviewed on: 21st December 2016

Zopa lends so you can spend

Zopa didn`t keep me hanging about for a decision on my loan application. A five minute application, and the loan was paid into my bank 3 days later. The interest rate is very fair too. Fantastic company to deal with. Reviewed on: 21st December 2016

Loan Backup and support

I thought that the website was excellent and easy to understand. If you paid money in extra you could see it taken off the loan and interest saved. Reviewed on: 21st December 2016

Excellent service.

Simple, straight forward experience. Reviewed on: 21st December 2016

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