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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)

Excellent & highly recommended

I opened a Zopa credit card about 6/7 months ago and found them to be extremely helpful and fair with their interest rates. The whole process was very easy online, with clear details every step. Once opened my card was available immediately online and actual card arrived very quickly in the post. I feel so safe and secure with Zopa & I can keep up to date anytime with the online account. They are a responsible lender, with great rates & extremely fair & the customer service team are available to speak with via phone. I honestly cannot recommend Zopa highly enough to everyone, as I have already done so to many family & friends. Reviewed on: 16th January 2026

Professional and helpful..

Zopa were very professional and curtious when I applied for my personal loan. They treated me very well and made me feel valued. I would definitely use them again. Reviewed on: 16th January 2026

Easy to use app and sensible lending.

Easy to use app and sensible lending.Peace of mind and response was very fast. Reviewed on: 16th January 2026

Staffs are accommodating and polite giving advise .

Staffs are accommodating and polite giving advise . Reviewed on: 16th January 2026

Excellent from start to finish

so easy to apply and fast decision, also you can keep update on the app Reviewed on: 16th January 2026

Smooth Speedy Transaction

Smooth transaction from start to finish and extremely speedy just what you need when plans are being made Reviewed on: 16th January 2026

I have a loan, for a downstairs shower, I suffer wit...

I have a loan, for a downstairs shower, I suffer with COPD, it's been a god's sent. Reviewed on: 16th January 2026

No more stress.

I applied for a loan and to my surprise it was granted. It allowed me to consolidate several worrying debts which was suddenly alleviated with the help of Zopa and their speedy decision. Reviewed on: 16th January 2026

Very good experience with Zoopa Great bank .

Very good experience with Zoopa Great bank .Good rates Good offers Low interest rates Great service Reviewed on: 16th January 2026

Easy, easy, easy.

Easy, easy, easy. I have few other banks that I do finance and Zopa are the easiest by far. Been with them for 4 years and never needed to speak to anyone. All done in the app, best rates too! Reviewed on: 16th January 2026

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