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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 reviews)

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4.91

Based on 69,090 reviews, last reviewed 12th Sep 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good and very esy to apply Very good and very esy to apply very fast Reviewed on: 12th September 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 (69090)

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

Very helpful and there site and app are easy to use...

Very helpful and there site and app are easy to use and navigate Reviewed on: 22nd April 2025

From the very beginning to the end of my loan , ever...

From the very beginning to the end of my loan , everything was detailed and made me feel at ease , and the decision was made instantly Reviewed on: 22nd April 2025

Very reliable, and allways friendly

Very reliable, and allways friendly Reviewed on: 22nd April 2025

Quick and good customer service and received the mon...

Quick and good customer service and received the money in few hours. On line so good to keep up with payments. Reviewed on: 22nd April 2025

Great products.

Have never experienced any issues with current or past loans entered into. Very easy to check on app and are kept up to date with Zopa products. Reviewed on: 22nd April 2025

Quick decision,

Quick decision, money paid into bank straight away, only complaint slightly higher interest rate Reviewed on: 22nd April 2025

Great prompt service.

Great prompt service. Money in account same day no fuss. Reviewed on: 22nd April 2025

App notifications

Very efficient App is great easy to use Reviewed on: 22nd April 2025

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