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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)

Friendly customer serviceand rates fantas...

Friendly customer service good load and rates fantastic little app on the app store just overall A good experience Malone company but in particular customer Reviewed on: 22nd April 2025

Am very happy with zopa account and zopa credit card...

Am very happy with zopa account and zopa credit card this is same like my family accounts Reviewed on: 22nd April 2025

Zopa are amazing, I have taken a couple of loans wit...

Zopa are amazing, I have taken a couple of loans with them and they have been great, regular updates and contact. The app is super easy and offers hints on how I could get the most out of any savings I have. I would happily recommend Zopa to friends and family. The big banks could and should take a long hard look and see how things can be done instead of worrying about shareholders and dividends be like Zopa and care about customers Reviewed on: 22nd April 2025

Great service and products.

Great service and products. App works really well. Reviewed on: 22nd April 2025

My experience was very good and productive excellent

My experience was very good and productive excellent Reviewed on: 22nd April 2025

Decent rate when I needed it and good app.

Decent rate when I needed it and good app. Easy to use, and easy to pay off early as I'm doing now. Reviewed on: 22nd April 2025

Easy to use

It's always been straightforward and easy to interact on the app, payments and transaction are clear, applying was easy Reviewed on: 22nd April 2025

Quick and easy to apply and cash in the bank within...

Quick and easy to apply and cash in the bank within an hour Reviewed on: 22nd April 2025

Good handy extra cash when i need it no hasle to pay...

Good handy extra cash when i need it no hasle to pay back Reviewed on: 22nd April 2025

Nice to be treated as more than just a credit score

I have a poor credit rating due to having a closed IVA on my credit file but having a Zopa credit card and connecting my bank account via open banking, allowed them to see past my credit score and in this day and age of being just a number and statistic it was nice to feel like I was treated as a human and given a second chance at credit having worked hard to put my finances back in shape, A very easy process with fair interest rates. Reviewed on: 22nd April 2025

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