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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)

No hassle lender

Nothing was a problem with zopa , recommend to anyone , good rates too. Reviewed on: 19th December 2016

Zopa loan

Found them effective and the repayable amount easy to manage each month Reviewed on: 19th December 2016

Great interest rates and a hassle free loan

Great interest rates and nice easy application process - quick to setup and hassle free Reviewed on: 19th December 2016

Easy, fast and affordable

Zoopa managed to beat all other mainstream lenders and provide a completely hassle free application 5 stars Reviewed on: 19th December 2016

Quick, easy and great rates!

Money was approved and in my account the next day. Would 100% use Zopa again! Reviewed on: 19th December 2016

Zopa helped me to get a loan at the right time I really needed a loan. Thankyou Zopa

I went to my bank whom I have banked for years. Having previously taken a loan (which was repaid now), I needed a new one to fund my home improvements. My bank came up with a interest rate of 5.8% and zopa was 3.3%. The loan application was simple, clear and no fuss aboslutely as it should be. Will definitely for my next loan if needed in future. Thanks Zopa. Reviewed on: 19th December 2016

Best lender ever!

The whole process of taking out a loan is scary business but the reviews and application form for Zopa made everything easy, straight forward and installed me with confidence. Not only was the APR one of the lowest I had come across but the system Zopa have in place to view, change and alter payment dates is fantastic! I cannot recommend Zopa highly enough! Reviewed on: 19th December 2016

Awesome

Very quick at transferring and very low rates Reviewed on: 19th December 2016

Absolutely Amazing!

At first, I was not sure about the peer-to-peer loan system offered by Zopa. However, after making an application, not only was the complete process very easy and straight forward, but also, the interest rate they offered me was the best I had ever received, even better than what any mainstream bank could offer. Once the loan was approved, the money was paid into my account within a few hours. I must say, I am truly impressed with Zopa's interest rate, service and the complete process. Well done Zopa! Keep up the amazing work and you will continue to grow your customer base. And for anyone that is considering to use Zopa for a loan, do not let this awesome opportunity pass you! You will regret not making the most out of it. Reviewed on: 19th December 2016

Very quick efficient service

I asked for a loan and within days the money was in the bank Reviewed on: 19th December 2016

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