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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)

Cooperative banking

Several loans easily set up and at great rates. Repayment made simply without hidden charges. Why go to a bank, when people can lend to people. Reviewed on: 30th May 2017

Fantastic

Quick decision and hassle free service. Reviewed on: 30th May 2017

Quick and cheap personal finance

Easy to apply, swift approval and payment. The most competitive finance cost I've seen for a loan if this size (£3k) Reviewed on: 30th May 2017

Couldn't be happier

Great experience with the loan company, easy and straight forward Reviewed on: 30th May 2017

Simply the best

Great rates, easy to apply and speedy decision all done online, no fuss. I will definitely be using Zopa again in the future. Reviewed on: 30th May 2017

Highly recommended

Quick and easy to set up, no cancellation fees, highly recommended, very efficient website. Reviewed on: 30th May 2017

Easy and quick service

Fantastic company, so easy to borrow money as no endless forms to complete. Money was paid into my account quick. Have already recommended a friend Reviewed on: 30th May 2017

Fab!

Got denied a loan elsewhere. Zopa was quick and easy! Great service! Reviewed on: 30th May 2017

best provider of support.

I have always had to have small loans over the past 30 years, but I have never had easy access to follow my payments, and a company that deals with me in the real world, till I used Zopa. I am sensible with what I loan, and always pay out my contract, and thanks to Zopa, I have managed to help my children through education, and lead a happy lifestyle. Reviewed on: 30th May 2017

Quick, efficient and simple

Good rates, simple application with responsible checks carried out. Totally hassle free. Reviewed on: 30th May 2017

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