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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)

Simple, quick and hassle free

Very straightforward web based application process. Simple and clear, rapid response / decision. Very happy with Zopa and would recommend and use again if I need a loan in the future. Reviewed on: 21st December 2016

Brilliant efficient service!

The service was incredible and the money hit my account the very next day! Would definitely recommend Zopa! Reviewed on: 21st December 2016

If there's anything worth criticising Zopa for, I've yet to find it

Zopa achieved something I thought wasn't possible - I actually enjoyed taking out a loan. From the clear description of how it all works, the fantastically low rates, the flexibility of how I manage my loan, the speed of the process for the money to arrive in my account, not to mention the social kick-back and challenging the status quo of big banking. I've already suggested Zopa as a real alternative for a loan to people I know, and I can't imagine using anybody else now. It's how loans should be done. Reviewed on: 21st December 2016

Great company !!!!!

Quick, easy to apply and money was in account in 48 hours. Fantastic service. Reviewed on: 21st December 2016

Great fast service

I applied for a personal loan with Zopa and was offered a very good rate of interest, the money was transferred to my account once accepted. I intend to use Zopa again if ever the time comes if in need for a loan. Thanks Zopa! Reviewed on: 21st December 2016

exellent

exellent interest rates web site easy to navigate and ease of taking out a loan Reviewed on: 21st December 2016

Fast, reliable and simple loans to suit individual needs

My experience has been nothing short of excellent. Quick straight forward application to suit my needs. A decision was granted almost immediately and funds made available in a very short space of time. Absolutely excellent company and service Reviewed on: 21st December 2016

Quick. Easy go apply. Best I've ever found

I found Zopa on Internet. It was easy and straight forward to apply. Money was in my account following day. Very good reviews. Used them now a couple of times Reviewed on: 21st December 2016

Simple process and good rates!

Simple process good rates! I would like to recommend to use the website Reviewed on: 21st December 2016

best value loan

Easy to apply, received the money quickly and no fee for early repayment Reviewed on: 21st December 2016

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