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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

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4.91

Based on 69,091 reviews, last reviewed 25th Jun 2026

63% 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

Smooth application, good communication They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted, everything ... Read more Reviewed on: 25th June 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 (69091)

I’m amongst the best.

A very professional company with excellent customer service and products. They always keep you informed of new ideas and services. Reviewed on: 9th January 2024

Excellent service, fast and fair.

Application was dealt with thoroughly, quickly and very professionally. I was kept informed as to progress throughout and the rate of interest was very fair. I was assured that support was available in the event of any difficulties in making repayments. I would most definitely recommend Zopa personal loans and on the basis of their excellent customer care, surely will be recipients of this prestigious award for the second consecutive year! Reviewed on: 9th January 2024

Personal experience

Everything regarding my personal loan from online to telephone contact when extremely smooth with no stress at all. Any questions or queries that I had were explained to me very clearly which took away any worries regarding my loan Reviewed on: 9th January 2024

So efficient, loan was within my account within 30mi...

So efficient, loan was within my account within 30mins of completing the application Reviewed on: 9th January 2024

Great experience very quick response.

Great experience very quick response. Reviewed on: 9th January 2024

Easy to apply

I applied for a Zopa loan as my credit company recommended with my credit score I was highly likely to be accepted. I did apply and I was accepted within a couple of days the amount was in my bank account I was happy with their interest rate and my monthly repayment. What I like is they don't keep pestering you to take out extra loans. Reviewed on: 9th January 2024

Re-Financing

Applied for a loan that was a lower interest rate than I was currently paying, ended up cheaper repayments and some money left over. Reviewed on: 9th January 2024

My application was easy to complete and a decision w...

My application was easy to complete and a decision was communicated immediately. The mobile app is amazing to give insight where you are, with additional features on how to improve credit score and FAQs. Also have a credit card where I received same excellent experience. Reviewed on: 9th January 2024

First class service provided means I have been a rep...

First class service provided means I have been a repeat customer! Reviewed on: 9th January 2024

Was easy and very friendly and was great help

Was easy and very friendly and was great help Reviewed on: 9th January 2024

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