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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)

Easy would use again! -

Easy to navigate via the app - loan sorted quickly and easily Reviewed on: 16th January 2026

Straight forward and easy process

The whole process from start to having the funds transferred into my account were straight forward and easy a very refreshing experience in this complicated word Reviewed on: 16th January 2026

Very easy & using the app keeps me in control.

Very easy & using the app keeps me in control. Reviewed on: 16th January 2026

Was really quick and easy from start to finish

Was really quick and easy from start to finish Reviewed on: 16th January 2026

Review .

Really easy to use, have used a few times and being able to pay extra on the account is so helpful, the app is extremely easy and straightforward, no hidden agenda either, everything is easy to read and understand Reviewed on: 16th January 2026

Excellent service.

Excellent service. Friendly informed team that are happy to help. Reviewed on: 16th January 2026

Easiest way to manage loans

Easy to apply, manage and settle (if appropriate) through the app. Great communications too (eg. letting me know how processes are proceeding). Reviewed on: 16th January 2026

Quick easy loan.

Needed a loan, and i applied and recieved the loan really quickly. Really easy to apply. Reviewed on: 16th January 2026

Reliable and easy to repay

I've had numerous loans with zopa. They've all been processed quickly but efficiently. The best part is how easy it is to make an overpayment so is can repay the loan faster and with less interest. Reviewed on: 16th January 2026

Applying for the loan was very easy and uncomplicated.

Applying for the loan was very easy and uncomplicated. The online application was easy to complete and it straightforward to upload the documents to complete verification. An email was received explaining the next steps in the process. After a couple of days I had a telephone conversation with an agent from Zopa to make sure that I was happy with offer and that I understood all the legalities. Within a couple of hours the money had transferred to my bank account. Reviewed on: 16th January 2026

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