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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)

loan

quick, easy effective , job done Reviewed on: 19th December 2016

Great rates and great service

Spent 3 months researching home improvement loans and without a shadow of a doubt Zopa were a cut above the rest. The rate was incredibly competitive, the ease of using the website was incredible and the customer service we received was second to none. Would highly recommend! Reviewed on: 19th December 2016

Excellent

Easy to talk to staff very helpful no messing around Reviewed on: 19th December 2016

A friendly easy to use company.

Very smooth and easy transaction. Reviewed on: 19th December 2016

Best borrowing experience yet

Better rates than my own bank! Really simple application process all done and dusted in a couple of days. Better yet if you're feeling flush pay a bit extra off and reduce the term. What's not to like? Reviewed on: 19th December 2016

Excellent service and quick in giving a decision

Thank you for the experience I received Reviewed on: 19th December 2016

Hassle free, easy car loan

I found Zopa an excellent way to lend money for a car. I recommend them and will use them again Reviewed on: 19th December 2016

Very efficient rates

Very fast and efficient service plus the rates are unbeatable Reviewed on: 19th December 2016

very flexible , fast and secure

it is easy to control your loan and how quick you can pay it off and is delivered fast into your account from the moment you apply Reviewed on: 19th December 2016

Super swift service - hassle free borrowing to make your dreams come true!

I found Zopa online & was immediately drawn to the peer-to-peer concept of lending. I planned on getting the money for a horse trailer, to safely transport my pride & joy the length & breadth of the country for shows & country fairs. An online application, a phone call & the money was in the bank. Agreed affordable payments left my account & I was able to view my loan progress online via the very straight forward & helpful website. I have now completed my loan & would highly recommend the service to ANYONE! Reviewed on: 19th December 2016

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