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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)

The best of the best

Zopa have been fantastic easy to use their online services quick and painless arrangements and the money was deposited when they said will and have recommended them to all my friends and family Reviewed on: 30th May 2017

Quick and Easy

Whole process was quick and easy from start to finish. No delays. This was my second time of using them. Would highly recommend. Reviewed on: 30th May 2017

Simple, easy low cost loans

Takes so little time to apply and receive the loan and really low cost repayments. Brilliant!! Reviewed on: 30th May 2017

excellent rates

excellent loan provider,would not use anyone else. Reviewed on: 30th May 2017

top service,step by step easy apilcation.

fast ,highly recommended way to a personal loan. Reviewed on: 30th May 2017

no one cheaper

Zopa is the best, cheapest and quick Reviewed on: 30th May 2017

Hassle free & great service

Zopa provided me with the perfect loan for my needs, it was in my account very quickly and was explained well throughout the process. Pleasure to speak to on the phone when required. Top marks! Reviewed on: 30th May 2017

Zopa - Giving people a chance

Affordable loan at a great interest rate that I could afford. Thanks Zopa Reviewed on: 30th May 2017

The easiest loan I've ever had...

Zopa was quick to apply, get the funds and have an account ready to access. The interface/web site is simple, the rate was competitive and I can overpay each month with no penalty. The standard monthly payment reduces if you do over pay, though it would be nice to keep this the same and reduce the term but a minor part on the best loan provider out there. Oh and they don't bombard you with other rubbish either. 10/10!! Reviewed on: 30th May 2017

Fast and easy

Really helped me out with a fantastic rate and early repayment without penalties is a big bonus Reviewed on: 30th May 2017

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