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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)

Zopa is the Mutt's Nuts!

I'm massive fan of Zopa because their customer service is excellent and the rates obtained are very competitive. Their terms and conditions are clearly laid out in language anyone can generally understand and so you don't need to be a financial whizzkid to feel confident about what you are signing up for and most importantly, the level of risk. Reviewed on: 30th May 2017

Easy to apply

Found the process very easy and got a response in a matter of minutes. Reviewed on: 30th May 2017

Speedy, efficient and courteous service.

I recently applied to extend an existing Zopa loan. I required to contact Zopa by telephone for advice on the process and the operative could not have been more helpful. I completed the process online and received a speedy decision on the extension with the money being deposited in my account within the promised timescale. The service I received was very impressive and I would recommend Zopa to my family and friends. Reviewed on: 30th May 2017

Quick, easy and fuss free application !

Had several loans from Zopa and would recommend to anyone ! Reviewed on: 30th May 2017

excellent service

great service, fast and efficient Reviewed on: 30th May 2017

No1 without doubt

Having taken out a couple of loans and also loan out money find the service to be beyond good. No product is risk free but Zopa make sure that they do there best at every stage with fantastic service and vetting at great rates. Reviewed on: 30th May 2017

Bike loan

Having found the motorbike, the whole process of applying online with Zopa was really easy. I could submit my payslip as proof of earnings online, and after this the money was in my account very quickly. Hassle free application and most importantly, a great interest rate. Reviewed on: 30th May 2017

Simple and very fair

Easy application Quick acceptance Very fair apr. Reviewed on: 30th May 2017

Fast, fair and excellent value

Having only ever borrowed money from a high street bank previously Zoopa was a revelation. Their online service was extremely clear, there were no attempts to mislead or obfuscate with small print. I knew exactly how much I was borrowing, for how long and EXACTLY what it would cost. The rate I was offered was phenomenally good value for money and far better than anything I had been offered on the high street, despite having an excellent credit score. I honestly couldn't praise Zoopa enough (well unless they'd lent me the money for our new car for free of course!) and I have genuinely recommended them to friends and family looking for a loan. Reviewed on: 30th May 2017

Excellent service.

Very quick to process and very competitive interest rates , would definitely recommend.., Reviewed on: 30th May 2017

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