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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)

Fast and efficient received the loan funds the same...

Fast and efficient received the loan funds the same day and applying was easy Reviewed on: 28th February 2025

Very easy to use app and very clear

Very easy to use app and very clear Reviewed on: 28th February 2025

Very easy to walk through the process, logical, user...

Very easy to walk through the process, logical, user friendly, reassuring. Reviewed on: 28th February 2025

Easy to apply, manage and check up on my loan status.

Easy to apply, manage and check up on my loan status. Whole process is designed for easy of end user. I highly rate Zopa. Reviewed on: 28th February 2025

Good loan came when i needed it.

Good loan came when i needed it. Everything clear. Maybe could have some better features like a relief month but asides from that pretty good. Reviewed on: 28th February 2025

I've been using Zopa for about a year now!

I've been using Zopa for about a year now, initially took out a smallish loan (£4500) which was delivered immediately after accepting, I've also got a credit card with a £4000 limit. The app is great to use, really responsive and updates quickly, lots of handy features. I've just consolidated my Zopa card balance and loan with another loan offer straight from within the app, super easy to do and once again, money was delivered in minutes. I use one other loan provider and 3 other credit cards, and Zopa is by far my favourite! Reviewed on: 28th February 2025

Common sense loans

Simple , straightforward and incredibly user friendly application, very good rates , easy to use and more importantly understanding.... Best on the market by far ... Reviewed on: 28th February 2025

Wish I knew about your company much earlier in life

On point and always willing to offer customer a great experience. From introduction to till now I am a very happy customer. Reviewed on: 28th February 2025

Friendly bank with good offers and easy to use.

Friendly bank with good offers and easy to use. Happy with the service Reviewed on: 28th February 2025

Zopa was my first card to have, the application was...

Zopa was my first card to have, the application was really easy to do, and understand, and the reply was really quick. It was fantastic and would definitely recommend zopa, that asks me. Thank you Zopa Reviewed on: 28th February 2025

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