Smart Money People Logo
Go to business site
Share this page
Link copied

Zopa: Personal loan reviews

View other Zopa products
4.95
Based on 69,081 reviews, last reviewed 27th Apr 2026
14% decrease in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
95%
See only 4 star reviews
5%
See only 3 star reviews
0%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

excellent from start to finish, very smooth from the... excellent from start to finish, very smooth from the first minute to money arriving in the bank straight away once confirmed . Reviewed on: 27th April 2026
Ian 's avatar
Ian

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
John 's avatar
John
Read all reviews Write a review

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.

Review Zopa: Personal loan now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Zopa Personal loan reviews (69081)

Zopa have always been fair.

5
Zopa have always been fair and competitive rates have helped me. Reviewed on: 17th April 2025
Steven s's avatar
Steven s

Excellent customer satisfaction

5
Easy application process with instant decision. Competitive interest rates. Availability to people with a low credit score which is tailored to them ensuring it’s within there affordability without having over the top interest rates making repayments fair which will improve credit rating. Reviewed on: 17th April 2025
V's avatar
V

Great, after being approved the funds was sent direc...

5
Great, after being approved the funds was sent directly to my account fast and efficiently. Thank you. Reviewed on: 17th April 2025
Byron Lee's avatar
Byron Lee

Excellent service

5
This is my 3rd loan with Zopa and they have been excellent each time. Reviewed on: 17th April 2025
Amanda wray's avatar
Amanda wray

Zopa is Apoz itivly easy choice for good service

5
Zopa is Apoz itivly easy choice for good service Reviewed on: 17th April 2025
Graham L's avatar
Graham L

Efficient service and good customer service

5
Efficient service and good customer service Reviewed on: 17th April 2025
Nicola L's avatar
Nicola L

Excellent rates and application process.

5
Excellent rates and application process. App is great for managing account. Reviewed on: 17th April 2025
Michael C's avatar
Michael C

Excellent service

5
Rapid, responsive and consistently good communication Reviewed on: 17th April 2025
Colin Doig's avatar
Colin Doig

Easy yo apply with easy to follow instructions

5
Easy yo apply with easy to follow instructions Reviewed on: 17th April 2025
Paul howells's avatar
Paul howells

Loan and card

5
I originally took a loan through Zopa, the rates were acceptable and the app so easy to navigate. Once my loan had been paid off, I applied for a credit card which I now use as my primary, again as its so much easier to control through the app Reviewed on: 17th April 2025
Alan's avatar
Alan

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Want to see more from Zopa?

  • Cash ISA

    from Zopa 4.95 from 1545 reviews
    Zopa

  • Credit card

    from Zopa 4.94 from 44339 reviews
    Zopa

  • Current account

    from Zopa 4.93 from 6588 reviews
    Zopa
    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill