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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)

Zopa - fast, friendly and good rates

All done online in a polite and swift manner. Got me the rates that I wanted, plus gave me options to consider Reviewed on: 19th December 2016

The best personal loan on the market

I searched for a while on the market until I came across zopa. The service was quick and I particularly liked the fact that there was no early repayment charges. The interest rates very also very competitive. Reviewed on: 19th December 2016

Very accessible

Great rates, very transparent and a user friendly website. Reviewed on: 19th December 2016

Easy, fast and cheap. What else could you ask for?

I needed to borrow some money to buy an electric car (a 1 year old Nissan Leaf 1,000 miles for £14,000). I kept my petrol car for long journeys over 100 miles and the savings on Petrol and servicing (nothing to service apart from tyres on a pure electric car) are paying back the loan. I'm about a thousand pounds a year better off with two cars than I was with one petrol car!. Thank you Zopa! Reviewed on: 19th December 2016

Very low rate, very quick pay out

Zopa had the lowest interest rates and were very clear on what I would be paying out monthly and in total. Perfect! Reviewed on: 19th December 2016

hassle free

hassle free on applying for loan and receiving funds Reviewed on: 19th December 2016

Great Loan provider

Have used Zopa on a previous occasion for a car loan - simple easy to use application process and great rates. Reviewed on: 19th December 2016

So easy to arrange loan. Completely painless.

Low interest rate. Quick decision. All done on line in a few minutes. Couldn't have been easier. Reviewed on: 19th December 2016

Best valuie personal loans

Taking out the loan: easy to apply and quick repsonse. Funds delvivered in equally prompt manner; INTEREST RATE: one of the few lenders whose headline rate is the rate you get; Customer service: Excellent; Website very easy to use although the breakdown of money borrowed and repaid is a little cofusing at first until you appreciate how the ZOPA loan system works and then it makes perfect sense Reviewed on: 19th December 2016

Outstanding and competitive

Asked for a loan they were v helpful and made me feel important Reviewed on: 19th December 2016

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