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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)

Quick, efficient, easy to apply

I completed an application online, which was straight forward and only took a few minutes. I had an almost immediate response and the money was in my account within 2 hours even though it was a weekend. The app was easy to set up and gives all the information you need. Reviewed on: 10th April 2023

Quick and easy

The process was easy to follow and had a decision within minutes Reviewed on: 10th April 2023

Excellent service

Zopa really helped me out when my puppy needed a hip replacement. Application was quick and easy and got the money to get her the treatment she needed Reviewed on: 10th April 2023

Great company

Easy to apply , instant decision and competitive rates Reviewed on: 10th April 2023

Fantastic

Quick and easy, the money was in my account within a few hours plus easy application Reviewed on: 10th April 2023

Best loan company

Competitive rates, quick and easy and reliable rates with good app to have access to view, paying xtra payment and keep on top of your loan. Always get my loans from here Reviewed on: 10th April 2023

Great experience.

Zopa is a great company, my experience was really easy, accessible and professional with easy website access to monitor my account. I would definitely use them again. Reviewed on: 10th April 2023

Easy to use

I really like that the interest is added at the start and so you really see the amount decreasing as you pay as apposed to a lot of companies where you make your payment only to have the interest added for that month making it look like less progress has been made. I would recommend Zopa to others because of this and the ease of use of their website. Reviewed on: 10th April 2023

Quick response, Simple ptocess

The application process for me was simple to navigate. The interest rate applied and the final amount repayable was made clear. The rate was one of the best/lowest offered too, I have had more than one loan with Zopa and have not felt out of my depth or hassled. Zopa will remain a go-to.. Reviewed on: 10th April 2023

The best way to get a loan

Decision faster ( the money received it's a bit longer) Reviewed on: 10th April 2023

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