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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)

Great experience and easy to get what's needed

Simple navigation and selection process. Calculation and interest rates over periods of time are amazing. Quick response for approval. Reviewed on: 19th December 2016

Very easy worked with

Whole process was made very easy, customer service is great. Great interest rates. Reviewed on: 19th December 2016

Zopa are simply unbeatable for a loan!

I cannot say enough good things about Zopa loans! Fantastic rates, quick release, flexible payments with the ability to make extra payments and track your loan online with no penalties. Absolutely fantastic! Reviewed on: 19th December 2016

The easiest way to reach your aim on clear and simple conditions

Honestly, i was trying to get a little loan to build up my banking scoring. I asked my bank, where i had my account longer than 3 years, and they refused. No matter i was paying every instalments on time, never caused any trouble with any payment. I was shocked and strongly dissappointed. And then i have found Zopa. I finished application, and after 24 hours i could enjoying their great products! I got this loan and.....believe or not, but its even cheaper than a loan from my bank with I am cooperating from long time!! I am extra 200% happy with Zopa, its great solution, and you can all do from your smartfone, you font need to waste your time! So easy, cheap and fully reliable. I am more than sure i will use Zopa again! Reviewed on: 19th December 2016

Excellent hassle-free service! Faultless

Very efficient and easy. Zopa all around excellence. Reviewed on: 19th December 2016

easy quick loan approval

Not bad interest, easy and quick, I will use them again if their interest rate is comparable. Reviewed on: 19th December 2016

Quick and easy

Quick online application and funds transferred within a few days. Easy to keep track of the loan online too to make additional payments Reviewed on: 19th December 2016

Amazing service!

Very quick service and hassle free, no complaints whatsoever!! I would definitely recommend Zopa!! Reviewed on: 19th December 2016

Simple and easy

great rates and so simple to apply and set up, Wouldn't use anyone else Reviewed on: 19th December 2016

Nice and easy

Was looking for the best deal to fund home improvement- really easy process, money in bank account ver quick and son stayed at local uni rather than go away - win win - thank you Zopa Reviewed on: 19th December 2016

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