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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)

Fast, easy and friendly

I needed a small loan to by a car. The rates offered by Zopa were competitive and the whole online process was very simple and painless. It was what an online service should be, easy, efficient and customer friendly. Thanks Reviewed on: 19th December 2016

Fast easy service. Brilliant

Very easy service no hassle. Made the process very good. One happy customer. Reviewed on: 19th December 2016

So easy to use

I found Zopa following a recommendation from a friend and by borrowing some money at their super low rate I was able to negotiate a better deal overall on a new bike than if I'd taken the shops 0% deal... The website application was simple and the funds were in place in super quick time, can't ask for more really! Reviewed on: 19th December 2016

Easy and affordable

Quick and with a smaller APR than my bank. Very helpful and reliable. Reviewed on: 19th December 2016

There when you need them

Easy experience, feels like a much nicer way of borrowing money than going to a bank. They make you feel like they care and you don't feel like you're being ripped off. I've borrowed money twice from Zopa and would do so again in the future. Reviewed on: 19th December 2016

Easy, straight forward, no hidden fees and great APR

Great interest rates, and very simple and straight forward. Would use again Reviewed on: 19th December 2016

Fast

No hassle loan approved very quickly. Reviewed on: 19th December 2016

excellent rates

Had a few Zopa loans. Quick and easy, excellent interest rates. Customer service good. Would use again and recommend. Reviewed on: 19th December 2016

Excellent

Very good experience and excellent customer service. It was easy to work way through site Reviewed on: 19th December 2016

Quick, and simple application. Lowest interest rate available, and fast transfer to my account.

Used a comparison site and Zopa were the cheapest. Easy application process online, super fast transfer to my bank. Borrowed £3000 over 36 months and only have to pay back £3244, £80 or so of which was taxes. So they're only profitting around £160ish. Which i found hard to believe. When I drew the money out of the bank for a new car the cashier asked if it was a loan and why I didn't enquire at HSBC, I just laughed and said 'I'm not as daft as you look'. Silly woman, they would've charged me around £7-800 interest, possibly more. I paid an £1100 repayment to my Zopa loan over the phone with no early repayment charges. The lady was nice and friendly and sorted me out in minutes. Overall, WINNER WINNER CHICKEN DINNER. If I decide to take another loan at some point Zopa will definitely be my choice, without doubt. Reviewed on: 19th December 2016

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