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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)

Loans with Zopa

You always know the total amount you are paying , and if something crops up you can change the date of your next payment to suit yourself. Reviewed on: 17th January 2026

Its has helped me instantly,whenever I was in need

Its has helped me instantly,whenever I was in need Reviewed on: 17th January 2026

Easy to do business with

Easy to do business with, easy to apply, decision made quickly, excellent rates Reviewed on: 17th January 2026

Ready when i needed it

It was well organised and available when i most needed it Reviewed on: 17th January 2026

I was looking for a loan and honestly wasn't looking...

I was looking for a loan and honestly wasn't looking forward to the usual banking hurdles. I tried Zopa's 'Borrowing Power' tool first, and it was great to see my eligible rate without any mark on my credit file. The actual application took maybe 5 minutes. What blew me away was the speed. I was approved almost instantly, and the funds were in my bank account in less than two hours. The App is super clean. It’s easy to see exactly when my next payment is and how much of the balance is left. There are No 'Nasty Surprises', everything is in plain English. No hidden fees or penalties if I want to pay a bit extra one month. Reviewed on: 17th January 2026

Quick and easy transfer of money when I needed to pa...

Quick and easy transfer of money when I needed to pay for a funeral after the sudden death of my daughter. Having the money sent within a short time took a lot of pressure off me and allowed me to take time with her arrangements without worrying if I could afford it Reviewed on: 17th January 2026

Allways trouble free no nonsense company with a str...

Allways trouble free no nonsense company with a straight forward idea of how to do what they do best Reviewed on: 17th January 2026

Always been good

Always been good. 3rd loan with them Reviewed on: 17th January 2026

Very prompt throughout process during loan request

Very prompt throughout process informative and quick response Reviewed on: 17th January 2026

easy and pleasurable application...

Zopa, have a really easy and pleasurable application process. The decision to lens is quick and the approved loan funds are very quickly transferred to my bank account. Reviewed on: 17th January 2026

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