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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)

My Zopa Experience

My experience with Zopa was very good. The process was very quick and the money was in my bank account almost instantly after approval. Reviewed on: 16th January 2026

Very simple to use great communication and the app i...

Very simple to use great communication and the app is easy to use Reviewed on: 16th January 2026

I find it very easy to use the app.

I find it very easy to use the app as it has all the information about my loan and payments available which makes it easier to monitor my loans and payments profile. Reviewed on: 16th January 2026

Getting a loan

Happy with this excellent service and fully informed of the loan I took out with Zopa. Keep up the good work Reviewed on: 16th January 2026

Great service

Fair and very helpful great altogether company Reviewed on: 16th January 2026

Zopa are excellent company to deal with, extremely...

Zopa are excellent company to deal with, extremely responsive with a number of very attractive packages to meet my needs. They are well positioned in the current market to provide an appropriate financial solution. Reviewed on: 16th January 2026

Quick and very easy, also great to be pre approved f...

Quick and very easy, also great to be pre approved for another loan without applying for it, which then was paid into my bank account within an hour of applying for it. Reviewed on: 16th January 2026

Super company to deal with

Great to deal with no issues 10 out of 10 For meeting my requirements Reviewed on: 16th January 2026

Quick and easy application instant quote for a loan...

Quick and easy application instant quote for a loan competitive price very professional service and fast payment service excellent 5* Reviewed on: 16th January 2026

I had a very positive experience with Zopa for my pe...

I had a very positive experience with Zopa for my personal loan. The application process was quick, simple, and completely online. I was able to see my personalised rate upfront without affecting my credit score, which was reassuring. The loan terms were clear and transparent, with no hidden fees, and the interest rate I was offered was competitive compared to other lenders. Once approved, the funds were paid into my account promptly, making the whole process stress-free. Zopa’s online platform is easy to use, allowing me to track my balance, payments, and remaining term at any time. Customer service was also responsive and helpful when I had questions. Overall, Zopa is a reliable and straightforward option for a personal loan, especially if you value transparency, competitive rates, and a smooth digital experience. Reviewed on: 16th January 2026

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