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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)

Very easy from start to finish

Very easy from start to finish. The person I spoke to was very efficient and the money was in my bank by the end of the day. Reviewed on: 28th February 2025

Loan application experience

I applied for a loan really not expecting to get it, but after answering affordability questions,36 hours later the application was accepted and the money was in the bank. Can’t fault the service. Thank you Reviewed on: 28th February 2025

Process was easy, simple and fast.

Process was easy, simple and fast. Really smooth experience. Reviewed on: 28th February 2025

Very quick and easy

Very quick and easy to apply and be approved for the loan. The cash transfer was quick too. Reviewed on: 28th February 2025

Excellent value for money and customer service

Applied for loan to consolidate debt and ZOPA provided value for money and excellent customer service from beginning. Gave me lots of assurance that I could manage the debt and helped take the worry out of finance for me Reviewed on: 28th February 2025

Had two loans now. Ace.

Had two loans now. Ace. Great comms and easy app to monitor. Reviewed on: 28th February 2025

Very easy to use.

Very easy to use. Very honest. quick decisions Reviewed on: 28th February 2025

Straight forward processes

Whole process from application to payment to liaison with staff has been straight forward Reviewed on: 28th February 2025

Easy to deal with everything is crystal clear puts y...

Easy to deal with everything is crystal clear puts you at ease knowing that your in safe hands where money is involved Reviewed on: 28th February 2025

Loan was granted with minimal fuss, great app with p...

Loan was granted with minimal fuss, great app with plenty of detail and functionality. Reviewed on: 28th February 2025

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