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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)

The go to place for a loan!

When turned down by other banks and a credit union I stumbled upon peer-to-peer lending. Zopa are at the top of their game, and very sensible with it. Very easy to deal with! Reviewed on: 20th December 2016

Fast and efficient process

Very fast and efficient from the outset .Easy to understand and a really quick decision and funds transfer. Reviewed on: 20th December 2016

Fantastic rates!

Zopa is so easy to use, I was able to set up a loan with repayments that suited me...with a fantastic interest rate! It's also really simple to change your monthly payment date and pay off extra without any early repayment fees. Reviewed on: 20th December 2016

Amazing and trustworthy

Because I'd never had a loan before none of my banks would offer me a loan which I urgently needed. Luckily zopa called me and confirmed they would trust me and offered really good interest rates too! Am really happy with their service Reviewed on: 20th December 2016

Quick and easy peer to peer loan

After searching for the best deal online for a loan to consolidate my debt zopa was top and very low interest , it only took a couple of minutes to sign up an I had the decision with in a couple of days. I would use them again. Reviewed on: 20th December 2016

Awesome Lender!!!

Brilliant service Reviewed on: 20th December 2016

Very very easy to get a loan, best interest rate. Overall seamless

Basically everything was super easy, interest rate was best and I've had no problems so no need for customer service. Happy with my experience and would recommend to family and friends! Reviewed on: 20th December 2016

Brilliant rates, other banks left trailing.

To summarise Zopa were the best by a long way on interest rates. Other banks were left behind due to their greed. Zopa became very popular very quickly. Congratulations Zopa , keep up the good work. Reviewed on: 20th December 2016

Excellent Service and good value

Was impressed with the way Zopa managed everything efficiently. Would use them again of required Reviewed on: 20th December 2016

Zopa Loan

Most lenders will take an arm and a leg Zopa only take the arm! Very reasonable rates and flexible repayments if you need it. I was impressed and no adverts with pensioners trying to justify 1000% APR LOL Reviewed on: 20th December 2016

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