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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

It was so easy to get a loan with zopa hassle free, no cold calls or lots of questions fantastic service Reviewed on: 30th May 2017

Best loan company

I have loan with zopa, got the best rate for pay back, can see all my payments, can take other one for even smaller rate for repayment. Reviewed on: 30th May 2017

Easy no nonsence borrowing

Needed a small loan to help with a purchase. Searching online for best rates found Zopa and so glad that I did. Simple to use site, specified amount and term of loan and immediately could see my rates and total cost, not just an estimate. Money with me within a couple of days! Reviewed on: 30th May 2017

Thumbs up all round

Easy to use website staff you can understand when you contact customer service & great rates that's why my last 3 loans have been with Zopa Reviewed on: 30th May 2017

Great Company

Easy, fast and no penalties for paying back early. Reviewed on: 30th May 2017

Great customer service

Great customer service, quick response and plenty of options to either pay early or change the dates of the re- payments. Plus the interest rates at which Zopa charges aren't too bad which means low earners like myself can afford to get a loan and pay back. Reviewed on: 30th May 2017

Quick. Easy. Efficient

Uploaded amount I needed. Filled in required boxes. Had a message back in minutes. Checks completed swiftly. Loan granted and in my bank within 3 days. Very impressed. Have now had first email to say payments all going through ok. Excellent all round. Would highly recommend x Reviewed on: 30th May 2017

Easy to arrange. Flexible to pay-off.

Used Zopa twice, both times were easy to arrange. The second time I was able to pay more off some months and liked how easy this was and how may payments were adjusted. I would use Zopa again if need be and am considering being a lender shortly. Reviewed on: 30th May 2017

Totally transparent

Why I voted zopa, easy and straight forward loan company no quibble no third degree questions, as long as your credit history ok, the funds are in your bank account within 24 hours. Would definitely go back to zopa. Reviewed on: 30th May 2017

Quick and informative

The information zopa provide is very extensive and leaves no stone unturned. The speed of application and approval is what impressed me most Reviewed on: 30th May 2017

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