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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69081 reviews)

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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

95%

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

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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Zopa Personal loan reviews (69081)

10/10. Excellent all round

I have found Zopa to be very competitively rated. Easy to use the app to apply for a loan. You can keep a check on your repayments and easy to make changes to direct debit dates. They also have tools to search for broadband and energy providers. As well as showing you options for loans, credit cards and car finance. All in all 10/10. Reviewed on: 17th April 2025

Very easy and uncomplicated great customer service a...

Very easy and uncomplicated great customer service and ver cooperative and flexible Reviewed on: 17th April 2025

the process was quick and easy to complete

the process was quick and easy to complete Reviewed on: 17th April 2025

I have 3 loans with Zopa.

I have 3 loans with Zopa. The app is easy to use and clear. Reminders and helpful tips are sent regularly. Reviewed on: 17th April 2025

Very quick response

Very quick response when you applie for a loan and very resanable pay back rates Reviewed on: 17th April 2025

Hassle free from start to finish, no issues whatsoev...

Hassle free from start to finish, no issues whatsoever so ever. Money available almost instantly and everything explained when setting everything up. Reviewed on: 17th April 2025

I got my loan 2 1/2 years ago.

I got my loan 2 1/2 years ago. Loan almost finished, never missed a payment so hopefully I can maybe renew for smaller loan when the time is up. Reviewed on: 17th April 2025

Excellent

The whole process of applying for a loan is fast, simple and the repayments are well explained. The app is well made and easy to navigate and overpayments are a doddle. Reviewed on: 17th April 2025

Straightforward

Very easy process from the moment I have applied for the loan. Reviewed on: 17th April 2025

Smooth, Transparent, and Reliable Lending Experience!

I had a fantastic experience with Zopa when I took out a personal loan. From start to finish, the entire process was smooth, transparent, and incredibly user-friendly. The application was straightforward, and I appreciated the clear breakdown of the interest rate and repayment terms right from the beginning. What stood out the most was Zopa’s commitment to keeping everything simple and honest—there were no hidden charges or confusing jargon. The funds were transferred quickly, and I received timely updates throughout. Their customer service team was also responsive and helpful whenever I had questions. I highly recommend Zopa to anyone looking for a trustworthy and efficient loan provider. They’ve certainly earned my confidence, and I wouldn’t hesitate to use their services again in the future. Reviewed on: 17th April 2025

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