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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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Awards

Best banking app 2026

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

Zopa Personal loan reviews (69088)

Friendly, understanding, clear

Very happy with Zopa, took time to understand my needs, my interests and to find a product that is manageable for me. Top effort. Reviewed on: 22nd June 2017

Brilliant Service and quick payment

The whole experience was seamless and painless, I received the loan very quickly once it had been confirmed. Reviewed on: 22nd June 2017

Simple, modern and great customer service

This is the 3rd Loan I've had. Each time I've paid it off early with sound customer advice hence why they are my first port of call when I need a loan. Can't recommend them enough. Reviewed on: 22nd June 2017

Straight forward no hassle

Applied for a loan, basically no nonsense or hassle all agreed in a timely fashion and no hold ups in transfers. Did not need it but have the feeling customer support would be active. Reviewed on: 22nd June 2017

Fast, efficient, friendly, fantastic

I have a not so perfect credit score that usually gets me ignored by loan providers or offered crippling rates. Zopa were friendly, welcoming, upfront about all of their costs and then offered me a fantastic rate. Had the money within days. Everything is just so easy with these guys Reviewed on: 22nd June 2017

Quick & easy

Great rates, quick application & money arrived quick too. Thank you . Great customer service Reviewed on: 22nd June 2017

Simple, quick and informative

Great website, easy to use and informative. Great rates too. Reviewed on: 22nd June 2017

Excellent service quick and no fuss

Brilliant experience online no fuss and good rates Reviewed on: 22nd June 2017

Unexpected

After seeing an advert while reviewing my Experian report I took a look into Zopas website. I was pleasantly surprised at not only how easy everything was but how cheap the loan was in comparison with my Halifax loan. I proceeded with the application and within a couple of days the money was in my account and I closed my Halifax loan. I not only shaved 12 months of my loan but I also saved approx £1500 in interest charges! Reviewed on: 22nd June 2017

Great and simple service with no fuss attached

I was in need of a quick loan. Zopa was able to assist in a competitive market swiftly and the loan was in my account without fuss or bureaucracy. Zopa really helped me out when facing a tight spot. Reviewed on: 22nd June 2017

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