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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 reviews)

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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

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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 (69090)

Excellent provider

Would happily recommend Zopa to anyone. The whole application process was simple and straightforward Reviewed on: 20th December 2016

easy, fast and great rates

Taking out the loan is simple, apply online, accept the offer and bang the money is in your account before you know it. It was also the best rate around. Reviewed on: 20th December 2016

loan

Very very good service great rates would recommend to family and friends many thanks Reviewed on: 20th December 2016

Fast easy and friendly loan company

Zopa had the best rates available to me and my first loan was approved and in my bank within a week all done online with no phone calls. Then I checked my rates and zopa gave me a better deal with lower interest rates this was approved the same day and in my bank in three days. I then paid my old loan off with no early repayment charge. Reviewed on: 20th December 2016

Fast, no fuss, reasonable rates.

Low interest rate appealed to me. Service was quick. Process was easy. Staff were knowledgeable and friendly. I would definitely recommend. Reviewed on: 20th December 2016

Excellent service

Zopa have been excellent and have had a very professional service Reviewed on: 20th December 2016

Very good service. I got a decision about my loan instantly and the money was in my account within few hours after accepting my application. Very impressed!

Received instant decision about my loan application and the money was in my account within hours. No more paper works. All process online. Very easy to do. The documents were sent online for verification. Also, interest rates are much better than other bank rates. Very happy customer. Would recommend to anyone. Reviewed on: 20th December 2016

Easy lending

Quick and hassle free at a great rate Reviewed on: 20th December 2016

Fantastic Service!!!

I took a loan with Zopa, it was a quick easy online process and their customer service is particularly excellent!! Reviewed on: 20th December 2016

"Z" may be LAST in the alphabet, but...

"Z"opa was FIRST for being prepared to offer me a personal loan, (when I really needed it), after the High-Street banks had turned me down! "Z"opa was FIRST when it came to offering me the 'best' interest-rate around! "Z"opa was FIRST for speed of reaction in making their decision to offer me the loan & for depositing the required funds into my bank account! "Z"opa was FIRST for customer-service, whenever I needed any relevant information - ALWAYS presented in a customer-friendly & customer-focused manner & customer-understandable format! I have now had 2 separate affordable (low-interest) personal loans, via Zopa, each having been successfully repaid over the loan term periods mutually agreed - which I found in reality to have been the most agreeable & the most appropriate for ME personally! So, "thank you!" ...ZOPA... FROM: "Z" Through..."O"...Through..."P" TO: "A" Reviewed on: 20th December 2016

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