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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)

Great company, good APR, fantastic APP, savings options

Great company, good APR, love the fact you can access your account via their APP. I think their options to move the date of your DD is great especially when changing bank accounts or jobs so you can make sure you can keep up with payments. They also offer great savings options which I current have in place, easy to set up and change and withdraw if you need it. Overall I would highly recommend Zopa. Reviewed on: 9th January 2024

Personal loan...

Zopa is excellent when applying for a personal loan money go into your bank straight away. Reviewed on: 9th January 2024

Good rate loan

Good rate loan then after 12 months I was offered a better rate. This really helped me consolidate my debt and reduce my monthly outgoings. Easy to use app and get real time information about my loan and payments. Reviewed on: 9th January 2024

Quick process and what I needed.

Needed a loan due to change in circumstances, Zopa provided a reasonable rate for the time during the UK price hikes. Process was quick including payment made. Reviewed on: 8th January 2024

Best loan with excellent rate

Easy to sort and excellent rate, plenty of help sorting it Reviewed on: 8th January 2024

Customer focused, site easy to use and navigate.

Customer focused, site easy to use and navigate. Reviewed on: 8th January 2024

Straight forward and customer focused service.

Straight forward and customer focused service. Very competitive rates on loans, i am very pleased to have encountered Zopa. Zopa also have a wide array of products and services to help keep one's finances in check and ultimately making your money work harder for a rather sensible interest at a given point in time. Reviewed on: 8th January 2024

Encouraged every class of people to save.

Encouraged every class of people to save. No matter how much. Reviewed on: 8th January 2024

Easy application and a superb management system

Easy process for applying for a loan using their pe-approval checks, once approved the money was with me almost immediately. Account management within the app is excellent, enabling easy access to making overpayments and a nice touch is having how the overpayment affects the future payments. I have had two loans with Zopa now and are the first place I go for quotes when I need another loan. Reviewed on: 8th January 2024

Easy application and great service

Easy application and great service Reviewed on: 8th January 2024

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