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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (66930 reviews)

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4.94

Based on 66,930 reviews, last reviewed 17th Jan 2026

55100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Competitive rates, fast easy process, highly recommend I received a loan from zopa last year, the application process was easy to follow and the whole process was completed in a few days. They email you ea... Read more Reviewed on: 17th January 2026

Latest lowest rating:

1

helpful quick very helpful understanding quick reply money straight into bank no problems Reviewed on: 16th January 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.

Zopa Personal loan reviews (66930)

Review of the Zopa, Personal loan:

Banking Industry Killer

Zopa's model allows it to offer the most competitive rates - but it's easy to undercut the competition if you just want to gain customers. What makes them better than the rest is that they've taken the social and technological concepts of the last few years - peer-to-peer finance, web usability, instant gratification - and brought them together in their platform. I'm a Barclays Premier banker and they called me up and asked if they could try to take over my loan. But they just couldn't beat Zopa's rate. So that says a lot. Reviewed on: 30th May 2017

Very easy to apply for loan.

Very easy to apply for loan. Very competitive rates. Quick response. Excellent customer service Reviewed on: 17th January 2026

Quick and simple

The online application was straight forward and user friendly. All standard questions and nothing too intrusive. I applied early hours in the morning just before bed with another company where they wanted live pictures for the application. Too late to be sharing pictures with sleepy eyes and sideways hair. I ended the application. As Zopa offered basically the same rate I started the application and was done in ten minutes. I received confirmation and the funds were transfered quickly. Great service. Reviewed on: 17th January 2026

Fabulous team

Really easy to work with. Helpful staff. Great service. Reviewed on: 17th January 2026

Quick and easy.

The process from start to receiving the funds was simple and painless, funds were in my account so quickly too. The app is great, and the function to make overpayments to the loan account is such a great and painless process. Reviewed on: 17th January 2026

Very straightforward and easy to do, took no time at...

Very straightforward and easy to do, took no time at all to achieve what I wanted. Reviewed on: 17th January 2026

A great company for loans

The offer was given quickly and professionally with full details of monthly payments.I would certainly use Zopa again if a further loan is needed Reviewed on: 17th January 2026

Zopa is a great company I have ever dealt with.

Zopa is a great company I have ever dealt with. Quick service ,reliable and trustworthy Reviewed on: 17th January 2026

Easy to use , smooth transition , simple layout

Easy to use , smooth transition , simple layout Reviewed on: 17th January 2026

Ery easy process to get loan with few minutes.

Ery easy process to get loan with few minutes. No nonsense question. Reviewed on: 16th January 2026

Zopa limited

Helpful friendly and good service Reviewed on: 16th January 2026

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