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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 reviews)

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4.91

Based on 69,090 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 (69090)

Simple, transparent and real person to talk with

No hard sell, easy to use online application, all details and responsibilities available to read before signing. Prompt interview with real person to establish my need and explain in simple terms what I was taking on. Prompt decision and money received in advance of promised time. Highly delighted Reviewed on: 15th April 2026

Easy and quick to set up.

Easy and quick to set up. Quick access to the loan and good communication throughout Reviewed on: 15th April 2026

Excellent customer service

I have had several loans with Zopa. Such an easy process and very stress free. Excellent customer service and communication Reviewed on: 15th April 2026

Excellent Loan Service

Good experience- we’re very easy to deal with Reviewed on: 15th April 2026

Excellent super quick application and money transfer.

Excellent super quick application and money transfer. Reviewed on: 15th April 2026

Everything made easy for you

Everything was so simple, even a child could follow the simple instructions to apply for a loan Reviewed on: 15th April 2026

Unjudgemental

Professional and no judgement. Easy to apply and money released and in account within minutes. Reviewed on: 15th April 2026

My Zopa credit card has helped me massively, the app...

My Zopa credit card has helped me massively, the app is easy to use and u can keep onto of your spending and payments. Reviewed on: 15th April 2026

So effing happy!!!

Applying for this loan couldn’t have been simpler. The app is so easy to use and every step of the loan process is explained. The funds were in my account instantly after completing the application. I would definitely recommend to others and should the need arise I will be using them again myself Reviewed on: 15th April 2026

Excellent. Full Stop

Very straight forward process from apying for credit cards and/ or loans Reviewed on: 15th April 2026

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