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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)

Great Service

I can't say how great my experience was. The whole process was really quick and also clear instructions. Would definitely recommend. Reviewed on: 30th May 2017

Fantastic rates! No fuss!

I haven't had any problems from them and the rates are so low, it's made my loan affordable. Reviewed on: 30th May 2017

Excellent

Both times I have needed to use Zopa they have been amazing. Easy, quick not unnecessarily complicated. I could sung their praises enough. Reviewed on: 30th May 2017

Competitive, ethical, fast and friendly

Got a decision in around 24 hours at a rate so good I couldn't quite believe it. Communication has always been excellent and I love the fact that Zopa are connecting lenders direct with customers. Reviewed on: 30th May 2017

Simple fast reliable

Needed money fast, the application was a breeze, helpful customer service, best bang for your buck by a long shot Reviewed on: 30th May 2017

Excellent service

Quick,easy, friendly ,good value Reviewed on: 30th May 2017

Grateful

Very quick and swift process from start to finish. Knew what was happening and throughout. Best service I've had and no hassle. Would highly recommend and have. This is a far better way to loan money then going to a bank, person orientated. Reviewed on: 30th May 2017

Superb fast service with no hassle

I took out a loan with Zopa after finding out about them on Google. Read some reviews and decided they were the company I wanted to go with for a loan to purchase a car. The first application was pain free and the application was very simple. I needed to borrow a little extra and had to reapply, pay off my existing loan and take a new one out. Again a very simple task. Very happy with the customer service offered and the process involved. Reviewed on: 30th May 2017

Loan for house upgrade

The application was very easy and APR % lowest on the market by double! !!! Reviewed on: 30th May 2017

Very reliable

Very clear set up, very good communication, no advertising sent to me at all. Really impressed and would use again. Reviewed on: 30th May 2017

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