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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 rates and great app

Easy to keep track of loan. Lots of options with repayments as well. Reviewed on: 13th June 2023

Brilliant Loan Company

We've used Zopa twice for personal loans, they are really easy to use, great customer service, can pay in full without penalties and using the app makes it so much easier to keep track of where you are and what you owe. Brilliant company and will consider them first again if required. Reviewed on: 4th June 2023

Simple, efficient and helpful

I have used Zopa over the years. Flexibility is very important to and that is exactly what zopa offer always with great rates. The ability to cancel your loan entirely or partially is fantastic Reviewed on: 2nd June 2023

Great APR%

The APR for zopa is really good. You can keep track of the loans too through the app. So easy to use. You can also make additional payments. Reviewed on: 2nd June 2023

5 Star Company

Cannot fault this trouble free company from ease of applying, sensible payment rates and absolutely no hassle from start to finish. Reviewed on: 1st June 2023

Friendly amiable Company

The best personal loan from Zopa I have ever had ,up to date with personal changes to finance ,and easy to contact and talk too . Reviewed on: 1st June 2023

Clear terms, straightforward application and app.

I have taken out two Zopa personal loans and highly recommend them. The application process was straightforward, terms and conditions are clear and their app is helpful and easy to use. Solid 10/10 Zopa. Reviewed on: 1st June 2023

Easy and quick application with a good app

Applying for a Zopa, personal loan is very easy, and once I was accepted funds were transferred very quickly. I like to use the Zopa app, to stay on top of my finances. It’s very intuitive and user friendly. Thanks Zopa Reviewed on: 1st June 2023

Simple fair loan

Great lender, simple application process, full transparency, fair rates. Reviewed on: 1st June 2023

Easy and Well Managed

I love Zopa! When I needed a laon Zopa stepped up. They were straight forward and non -discriminatory unlike standard Lenders. They made my dreams come true and when I got into a problem at Covid, they were still great to deal with and made a horrendous situation smooth and comfortable which saved my life. Reviewed on: 1st June 2023

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