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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)

Easy as peas

I found Zopa on a price comparison website and they hit the very top of the best value list for the loan amount I was seeking. From that point to the cash in my account was around 5 working days. Excellent response, application was trouble free and simple. Reviewed on: 19th December 2016

Loan Experience

Very quick and easy to apply and receive the funds. Impressive service Reviewed on: 19th December 2016

Super fast processing time, affordable payments, effortless!

I saw the car I wanted to buy, concerned it would be sold before I could arrange finance, I filled out their online form and the money was in my account 48hrs later! Reviewed on: 19th December 2016

Easy Loan

This was and easy and friendly way to borrow money. The form was easy to fill in, straight forward questions and only had to wait a minute or so for approval. Fantastic interest rate compared to some big lending companies and you can check your account on line, make extra payments and contact them direct if you need to. I would certainly use them again. Reviewed on: 19th December 2016

Best rates and easy application

Zopa was by far offering some of the best rates, and what you saw advertised is what you got...no hidden extras or higher interest rates when you started the application. The online form was simple, user friendly and instantly gave me an answer without a long list of ridiculous other questions! Reviewed on: 19th December 2016

Loan

Quick and easy application and easy to deal with.plenty of information available and easily understood requests. Reviewed on: 19th December 2016

Simple and easy

Very easy application and transparent from the beginning. Very easy to track your loan through the year. Reviewed on: 19th December 2016

Great rate. Result in 3 days, money transferred to account

Quick and relatively painfree. Answer within 3 days. Easy application Reviewed on: 19th December 2016

Fast,easy access to funds at a great rate.

I needed a topup for a car purchase, simply completed the online form and funds were sent to my account within 48hrs. Great interest rate and no hassle way to finance a short term loan. Reviewed on: 19th December 2016

Quick and simple!

Very simple to register, very simple to complete. Lovely and quick with easy to use website. Reviewed on: 19th December 2016

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