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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.95 (69082 reviews)

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4.95

Based on 69,082 reviews, last reviewed 1st May 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

It was so easy and straight forward to apply with ve... It was so easy and straight forward to apply with very fast decision turn around pay out once successful. Very competitive repay rates always a no br... Read more Reviewed on: 1st May 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 (69082)

Transparent, Fast, and Hassle-Free!

I’ve had an incredibly positive experience with Zopa. From the start, the process was straightforward and user-friendly. The application was quick, and I received a decision almost instantly. What stood out the most was the transparency—no hidden fees or confusing terms, just clear information and fair rates. The communication has been excellent throughout, with regular updates and an easy-to-use online dashboard to manage my loan. I’ve felt supported and in control every step of the way. Zopa has definitely set the bar high when it comes to lending services, and I wouldn’t hesitate to use them again or recommend them to others. A genuinely stress-free and professional experience. Reviewed on: 16th April 2025

Easy to apply, dealt with promptly , very good servi...

Easy to apply, dealt with promptly , very good service, I'm one happy customer Reviewed on: 16th April 2025

Excellent service over many years now.

Excellent service over many years now. Loans are easy to access and paid into my account within seconds of being approved. Any issues have been dealt with swiftly and sufficiently. Very happy with this service from Zopa! Reviewed on: 16th April 2025

The loan i received was quick easy and stress free.

The loan i received was quick easy and stress free. The app is great and simple to use. If you get an unexpected bill or feeling abit short of cash you can log in and change to date of your repayment which is really helpful Reviewed on: 16th April 2025

Good experience.

Easy Application, polite verification process over phone. Loan granted quickly direct to Bank Account. Reviewed on: 16th April 2025

Recommended ZOPA personal loan

Very easy process. Zopa are really friendly and very quick. I feel like a valued customer. Great app to use everything is super intuitive. There is telephone support if you need it. Payment time into account is super super quick. Reviewed on: 16th April 2025

I have a credit card and loan with zopa and they hav...

I have a credit card and loan with zopa and they have been fantastic with me for over 2 years now never any problems when speaking to staff. Also gave me a cracking rate on my loan super happy customer Reviewed on: 16th April 2025

Easy to use app.

Easy to use app. Decisions in literally seconds. Key information is easy to locate Reviewed on: 16th April 2025

Great service

Stream less application, simple to fill out request, great customer service when discussing loan. Would highly recommend Reviewed on: 16th April 2025

Easy all round.

Easy to sert up, quick decision and easy to mange loan with the App. The App can track monthly payments and is always available. Instant decision when applying online which is very helpful and easy to pay off early if required. Reviewed on: 16th April 2025

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