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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

No new 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)

Very nice and good people to speak to on phone...

Very nice and good people to speak to on phone Reviewed on: 16th April 2025

Needed a loan urgently, Zopa had money in my bank in...

Needed a loan urgently, Zopa had money in my bank in under an hour. I paid it back early with no penalties. Excellent service Zopa, thank you. Reviewed on: 16th April 2025

Quick and easy

Very easy instructions online. Everything explained well. Simply quick and easy to apply. Reviewed on: 16th April 2025

First class service, interest rate and app.

It's just been seamless since the day I took out my loan in 2021. Really good rate of interest. Don't get bombarded with emails only relevant and worthy correspondence. Lloyd's and Natwest loans in the past were tragic by comparison. Cannot speak highly enough. Would 100% recommend to anyone in need of a competitive loan. Reviewed on: 16th April 2025

Good prompt service.

Good prompt service.Does what it says on the tin. Reviewed on: 16th April 2025

Everything is done on line.

Everything is done on line. Unable to ask any questions Reviewed on: 16th April 2025

I had a very easy and stress free application proces...

I had a very easy and stress free application process and actually ended up paying back less per month than I anticipated. Reviewed on: 16th April 2025

Easy and clear app.

Easy and clear app. Competitive interest rates, that's why I only choose Zopa Bank. Reviewed on: 16th April 2025

No problem, no hassle.

No problem, no hassle. Nothing is a problem. Easy to use Reviewed on: 16th April 2025

Applying to receiving the money into my account was...

Applying to receiving the money into my account was so simple, quick and easy. The app is really easy to use and overall customer service is excellent. This is the best loan provider that I have ever used. Reviewed on: 16th April 2025

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