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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)

Excellent

Really easy to do online and get the money straight in your bank excellent will deffo use again Reviewed on: 22nd June 2017

Hassle free personal loans

Indeed, it was a hassle free experience. The contact centre were quite knowledgeable and they replied all my questions to my satisfaction. Reviewed on: 22nd June 2017

Best loan company

I recently took a loan out for a new car. They have excellent customer service. Zopa has been fantastic, with low monthly repayments, low interest rates and best of all they allow me to pay off extra each month if I want to with no extra charge which means my monthly payments then drop. I would highly recommend Zopa to anyone! Reviewed on: 22nd June 2017

Very good service

Have applyed online and had decision in minutes highly recommended Reviewed on: 22nd June 2017

Great Service and Value!

What can I say! A rate lower than any other, simple to apply for and remarkably quick decision with the money in the bank in days! Would use Zopa every time I need a loan. Reviewed on: 22nd June 2017

Easy and flexible

I have been with zopa for approx 7 years for different assistance and they have always offered a speedy and comppetive Service to help support my needs. Thanks Reviewed on: 22nd June 2017

Really easy process

Was really pleased with the process for a loan. Easy to go through. Easy to manage. Easy. Easy. Easy! Reviewed on: 22nd June 2017

Easiest application ever

I didn't have high hopes to get approved for my Zopa loan because the comparison site I was on didn't give me the confidence. The Zopa rate was incredible and I couldn't not give it a try. I was approved immediately and everything worked effortlessly (so effortlessly I was wary it was a scam!) After the money came through into my account I reviewed my account and found out that my loan came from hundreds of individuals savings. This made me feel good, seeing my interest going to hard working savings, not all into greedy high street bank pockets. This is by far the best loan provider I've ever even imagined existed, they're creating the future with their technology, transparency and concepts. Reviewed on: 22nd June 2017

Great loan service

I especially love how good the online log in service is, been great!! Thank you!! Reviewed on: 22nd June 2017

Fabulous value

Very friendly staff and experienced. Reviewed on: 22nd June 2017

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