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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)

Extremely easy to work with

Very easy to apply and execute. payments. I wasn't sure when I was applying, but the system was so easy and I borrowed money to invest. Reviewed on: 8th April 2023

Fast reliable simple

Easy to use website fast review and money was in the account less than 72hours after loan application couldn’t recommend enough. Thank you. Reviewed on: 8th April 2023

Great lenders

Helped my right out when I needed it, Thanks Reviewed on: 7th April 2023

Simple Straightforward Superior Service

This was a very painless application. I'm not too tech savvy but managed it all with ease on phone. All in all a 5* experience Reviewed on: 7th April 2023

Came through in a time of need

Following a home emergency, we were completely caught out with an urgent need to repair our home. Having looked at traditional lenders who would take up to a week to even discuss our application we found Zopa. We took a leap and Zopa came through almost immediately. Having never heard of them, they had a great rate - easy to use App and couldn't be happier. My only request would be that they could support Open Banking to make immediate faster payments on the over payments. When I have money available to make an overpayment it often sits in my account for 7 days and I need to make sure it's not spent. Having it taken immediately would be a very Nice to Have. Reviewed on: 7th April 2023

Ardiani

Very good service. Flexibility in moving backwards or forward instalments Reviewed on: 7th April 2023

Excellent service

Help people to achieve their goals Reviewed on: 7th April 2023

The best loan

Within 24 hours I got the money in my account Reviewed on: 7th April 2023

Simply the best

A great, friendly and easy to use service that you can rely on Reviewed on: 7th April 2023

A great loan product

Excellent interest rates, quick and easy process and the app is brilliant. You can make extra repayments when you like which is an absolute bonus. An easy way to take a loan. Reviewed on: 7th April 2023

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