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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)

Simples

Straightforward easy to navigate and great rates too !! Reviewed on: 30th May 2017

Outstanding!

I have not been in the need for a loan in a longtime. I do not trust the high street banking system anymore so tried Zopa after reading online positive feedback. I have been more than pleasantly surprised, I would recommend to anyone who wants a good lending rate & good customer service. Reviewed on: 30th May 2017

Hassle free decision

Very quick service and the money was in my bank within a day for me to buy my dream car. Thank you Reviewed on: 30th May 2017

Great customer service

Easy to apply for, easy on-line application forms, fair rates and to know where I stand before a full credit check was done was excellent. Overall great customer service. Reviewed on: 30th May 2017

Used them over and over

I absolutely love Zopa, the flexibility of the loan, the ease of the application process, the friendliness of the staff. I could not recommend them highly enough. I have never had reason to complain, ever. The website where I access my information and loan is easy to use. Finding any information I need is simple, it's not hidden away in a sub-menu of a sub-menu. Whenever I have dealt with staff, they have been pleasantly, friendly and treat me like an intelligent human being, which I am clearly, because I use Zopa for my loans Reviewed on: 30th May 2017

Great service

Great online service, fantastic loan rate and prompt payment once approved. Took sometime to get approved due to additional information that was required, had to wait a while once paperwork was submitted but was advised of this due to Zopa receiving so many loan applications. Would definitely recommend! Reviewed on: 30th May 2017

Exactly what I want, when I want

Easy to use with Web based applications and great customer service and great interest rates Reviewed on: 30th May 2017

Easy, quick and cheap

Found the process quick, easy and effiecient to use. A lot easier than other company's and good rates. Shopped around and was by far the best deal. Reviewed on: 30th May 2017

Excellent and easy

The application process is simple and easy to do, great rates and no payment issues. Brilliant online service being able to see amounts owed and payment history by simply by logging in. Couldn't ask for more. Reviewed on: 30th May 2017

Great service easy to use

Great service easy to apply and quick to receive the money, can make extra repayments with no charges and can also loan your own money out to other people through them and earn more than any savings account great services Reviewed on: 30th May 2017

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