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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

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4.91

Based on 69,091 reviews, last reviewed 25th Jun 2026

63% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Smooth application, good communication They called me directly to clarify a couple of details — which I appreciated rather than it dragging out over email. Once that was sorted, everything ... Read more Reviewed on: 25th June 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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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Personal loan reviews (69091)

Changed my life

I have been using Zopa since 2020. They provided car finance to me for 5 years. I had some issues with not being able to pay off my credit cards, Zopa provided me with consolidation loans to pay these off. It’s helped build my credit score and be in a better financial place. Reviewed on: 3rd March 2025

Excellent service from start.

Excellent service from start. All your need is explained in simple terms. Reviewed on: 3rd March 2025

Quick easy and value for money.

Quick easy and value for money. Would use z0pa again if I needed another loan, would recommend zopa to family and freinds Reviewed on: 3rd March 2025

Great credit card, friendly efficient staff on the e...

Great credit card, friendly efficient staff on the end of the phone and an easy to use app Reviewed on: 3rd March 2025

Excellent service

I have found Zopa to be straightforward and also keep me updated on my credit score and what services are available for me. Reviewed on: 2nd March 2025

Everything from start to finish was done very quickl...

Everything from start to finish was done very quickly and efficient Reviewed on: 2nd March 2025

So easy to apply, highly recommend it

So easy to apply, highly recommend it Reviewed on: 2nd March 2025

Easy to apply and easy to use app

Easy to use app which keeps all info and payment in one place. I love how I get a notification just before each payment is due as it help with my budgeting. Super easy to apply and manage the loan account, including making extra payments Reviewed on: 2nd March 2025

Easy and Straightforward

Very easy process for setting up the loan and managing it in the app Reviewed on: 2nd March 2025

Easy straight forward ensuring affordability checks...

Easy straight forward ensuring affordability checks were completed Reviewed on: 2nd March 2025

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