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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69088 reviews)

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4.91

Based on 69,088 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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Help others make smarter decisions by sharing your own 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 (69088)

Borrowing with Zopa has been a seamless and transpar...

Borrowing with Zopa has been a seamless and transparent process. With fair and clear rates. Zopa is one of my go to lenders when I am considering taking out some finance and would recommend them for consideration when looking at lending. Reviewed on: 16th April 2025

Really easy processes and good service

Really easy processes and good service Reviewed on: 16th April 2025

Super quick

The process was quick and easy loan was in my back very quickly after acceptance Reviewed on: 16th April 2025

Uncomplicated, informative & great customer service.

Uncomplicated, informative & great customer service. Would recommend to anyone Reviewed on: 16th April 2025

Simple and a quick answer

Simple and a quick answer, good rates Reviewed on: 16th April 2025

Loan application

Applied for a loan received the money within 10 minutes very good service Reviewed on: 16th April 2025

Great Service

Such a very simple and user friendly process and APP experience/ service to date Reviewed on: 16th April 2025

Handy app

Handy app, early repayments are easy. Reviewed on: 16th April 2025

The Zopa app is very user friendly

The Zopa app is really easy to use to check status of your loan and savings accounts. Pre approved loan applications are simple and money is in your account more or less immediately Reviewed on: 16th April 2025

I wanted to share my thoughts about my experience wi...

I wanted to share my thoughts about my experience with your personal loans. Overall, I found the process to be simple and efficient. The quick approval and transfer of funds were particularly impressive, as it allowed me to manage my finances without unnecessary delays. I also appreciate the transparency in your terms—knowing there are no penalties for early repayments gives me flexibility and peace of mind. Your app has been a great tool, making it easy to track my loan and stay on top of repayments. That said, I think there’s room for improvement in [insert any suggestions—e.g., providing more personalized loan options, improving customer service, etc.]. Thank you for offering such a straightforward and convenient service. I look forward to seeing how you continue to develop in the future. Reviewed on: 16th April 2025

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