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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69089 reviews)

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4.91

Based on 69,089 reviews, last reviewed 16th Aug 2026

100% 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

Zopa is great Very fast to get an answer and money in the bank straight away Reviewed on: 16th August 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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Help others make smarter decisions by sharing your own 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 (69089)

Easy, no nonsense, and excellent customer service

I needed a loan to clear a credit card with silly a interest rate. Applied online, received an answer within minutes, money in account within a few days. So good, I've already recommended Zopa to husband. Fab service guys. Reviewed on: 19th December 2016

very reasonable, good value rates and straightforward loans

We found Zopa to be easy, economical and efficient Reviewed on: 19th December 2016

The best

The lowest rate I could find with the best service. I always recommend zopa! Reviewed on: 19th December 2016

quick decision

Helpful and quick and low interest which is great when needing a loan Reviewed on: 19th December 2016

Quick, simple, easy to use, good interest rate. Good co-operative.

Great idea, low interest rates for borrowers and a good rate of interest paid to lenders. Quick, easy to use. Highly recommended. Reviewed on: 19th December 2016

EXCELLENT SERVICE

NO PROBLEMS FROM START TO FINISH Reviewed on: 19th December 2016

Easy, hassle free and flexible

The service has been 5 star, the interest rates are competitive and the payment options are tailored to suit me. I would highly reccomend. Reviewed on: 19th December 2016

Zopa is wonderful

I was trying to get a little loan in my bank, where i had my account for more than 3 years. And no matter i was paying every payments on time, never caused any problem with any payment, never, ever. They refused me without saying a reason. Then i have found Zopa. Quick, easy, clear and simple. No need of wasting my time in the bank branches. I had their product ready after 24 hours. And believe me or not, it was even cheaper than in my bank!!! Ha! I am more than 100% happy with Zopa, and i am sure i will come back to them in future. Reviewed on: 19th December 2016

Zopa are a fantastic lender and I would highly recommend them to anyone!

I found it extremely easy to both take out a loan and get a topup recently so I am very very pleased with Zopa. Their service is first class and I have never had any problems. Reviewed on: 19th December 2016

Quick easy loan!

Took out a loan to clear some debt in one hit. Very easy process, everything was very clear. Very happy! Reviewed on: 19th December 2016

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