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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 and fantastic!

Quick turn around, simple and straightforward in a time of need. Reviewed on: 20th December 2016

Just so simple

Very easy and straight forward what else could you want, maybe payment breaks for Christmas. Reviewed on: 20th December 2016

Car loan

Quickly and easily secured a very low interest loan for the purchase of a vehicle. I would definitely consider using them again. Reviewed on: 20th December 2016

extremely easy to use, and helpful

I applied for a Zopa loan after years away from the UK, which wiped out my credit rating. It was easy to arrange, entirely by web, and cheaper than alternatives. I have now repaid most of it, and would recommend it to others. Reviewed on: 20th December 2016

Loans made easy

Very easy my loan was given very quickly. No problems at all Reviewed on: 20th December 2016

Confidence in borrowing

I found Zopa on a Internet search, I wasn't aware of the name prior to this search. Application was simple, and decision made quickly. The funds were in my account within 2-3 days and the online account I have gives me complete control. I feel very confident in my choice of lender. Reviewed on: 20th December 2016

RIP OFF LOAN AND CREDIT PROVIDERS

The Financial Market Place is saturated with credit providers who charge legal "Usary" rates of interest , enticing the consumer to build up debt over an inital interest free period,preying on a large number of the Public who are not financialy savvy. ZOPA gives these people a way out of paying penalizing rates of interest by offering them a loan, at a fair rate of interest, to pay off these "Usorious" credit providers, and offering Savvy customers loans at the most competitve rates of interest in the Market Place. Reviewed on: 20th December 2016

a very competent company to deal with

No hassle from the start just straight forward borrowing with competitive rates Reviewed on: 20th December 2016

Perfect

So easy to do and set up it was a good surprise and it ticks all the boxes for me Reviewed on: 20th December 2016

happy customer

I AM REALLY happy with Zopa. quick service and honest loan. i will recommend to my FAMILY AND FRIENDS. Reviewed on: 20th December 2016

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