Write a review

Go to business site

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (67196 reviews)

View other Zopa products

4.94

Based on 67,196 reviews, last reviewed 18th Jan 2026

63867% 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

The team is very friendly, the process is very simpl... The team is very friendly, the process is very simple and couldn't be any shifter. Reviewed on: 18th January 2026

Latest lowest rating:

1

helpful quick very helpful understanding quick reply money straight into bank no problems Reviewed on: 16th January 2026

Read all reviews See your review

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 (67196)

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

Flawless expierence from start to finish , excellent...

Flawless expierence from start to finish , excellent expierence . I will definetly use Zopa again in the future. Reviewed on: 18th January 2026

Simple transaction.

Getting my loan accepted and paid was a simple affair. A rare thing indeed these days. Reviewed on: 18th January 2026

Great bank for personal loan.

Great bank for personal loan. Helpful and great customer service. They have a great app for login accounts Reviewed on: 18th January 2026

No hassles and easy to deal business.

No hassles and easy to deal business. Reviewed on: 18th January 2026

A good place to help you

I have been notified constantly. Easy to apply for and make payments too. I would certainly use Zopa again. It has not made me feel ashamed at having to apply for a loan and consider it just a normal thing to do. Reviewed on: 18th January 2026

The Zopa website was easy to navigate and use the pr...

The Zopa website was easy to navigate and use the process was very quick and professional, the requirements of the company shows they have an excellent informative and caring policy regarding ethics and the suitability of an individual's loan needs and affordability. Due care and attention was present all the way through the online application process. Reviewed on: 18th January 2026

everything just super.

everything just super. went without a hitch Reviewed on: 18th January 2026

Easy to deal with, with excellent customer service a...

Easy to deal with, with excellent customer service and support. Accurate and honest feedback. Money in my account the same day! Reviewed on: 18th January 2026

Fast and reliable

I applied for a loan on the day I had to pay my rent. I had been ill for quite a long period, for several months, and I didn’t know about Universal Credit. When I eventually applied, it was too late — appointments and interview dates were scheduled two months ahead. I needed money that very day, and I received it. THANK YOU, ZOPA. Reviewed on: 18th January 2026

Great experience and good company to work with

Great experience and good company to work with Reviewed on: 18th January 2026

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Personal Loan
from RBS 3.84 from 10 reviews
Loans
from Shawbrook Bank 4.77 from 694 reviews
Bridging Finance
from Together Money 2.13 from 7 reviews

Want to see more from Zopa?

Current account
from Zopa 4.97 from 2292 reviews
Cash ISA
from Zopa 4.95 from 1443 reviews
Smart Saver
from Zopa 4.94 from 7476 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub