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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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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Personal loan reviews (69089)

Keep out the fat cats

Easy to use, good rate and good to know real people are benefiting Reviewed on: 19th December 2016

Great company

Fantastic customer service and great rates make Zopa the only company for your next loan Reviewed on: 19th December 2016

Zopa loan

Fantastic website, loan was so easy to arrange and very quick excellent customer service, so helpful. Reviewed on: 19th December 2016

good interest rates and clear lending

The whole process was easy and very clear to use . Good interest rates and the whole process was quick and clear Reviewed on: 19th December 2016

Value when highstreet banks wouldnt help

Zopa helped me get a loan for a car, so that I could continue to get to and from work when mine finally packed in. I tried the big name highstreet banks, but their interest rates were crazy or they wouldnt help out as I hadnt built up much credit yet. Nearly a year on and Im still very happy with the deal and service. Thank you! Reviewed on: 19th December 2016

The best place to get a loan

I have used Zopa several times over a few years and they are the lowest rates and just very easy to use. Its a win win situation as far as I can see. Reviewed on: 19th December 2016

Super Easy to use and fair rates

I found using the Zopa website a no fuss and intuitive experience and the team a pleasure to deal who answered any additional queries how this structure of loans work. After looking at many other options I found Zopas' rates and terms very reasonable and this with the ease of using there website made them a hassle free and confident choice for my personal loan needs. Reviewed on: 19th December 2016

Beat the banks

My own bank wanted a robbing 21% APR for a 'small' personal loan - for a good, reliable, never overdrawn customer with great credit rating, step in Zopa with an APR of less than HALF that - easy to set up, no nonsense and up front approach to the whole process - absolutely brilliant! Reviewed on: 19th December 2016

A good service, quick response but high rates...

As above really. I would recommend Zopa, the info is very clear and you are kept up to date with the process...... Reviewed on: 19th December 2016

Great service at good rates

Great customer service. At good low rates Reviewed on: 19th December 2016

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