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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)

All encompassing

From start to finish, my loan was completely controlled. Best rates, no early repayment charges and a nice email when fully paid off. Reviewed on: 30th May 2017

Easy to apply and very reasonable

I had grown frustrated with other lenders going through my financial details in excessive detail. It was a bureaucratic nightmare. Not so with Zopa. A quick assessment based on my bank statement and i was approved. Minimal fuss! Reviewed on: 30th May 2017

Great

Wonderful experience, easy and straight forward Reviewed on: 30th May 2017

Fabulous, would recommend

Great rates, very easy online process and money was in my account in only a few days. I like that I can over pay if I want to as well. Reviewed on: 30th May 2017

Outstanding service A*****

Brilliant service tells you exactly what's what before you apply and everything clear from term to interest to repayments so you can see everything before you apply brilliant service would strongly recommend Reviewed on: 30th May 2017

Fast and no nonsense

Felt like you were happy to lend me money unlike some lenders Reviewed on: 30th May 2017

interest rate

i looked for a loan for my car and searched online and also car dealerships this was by far the best rates i was eligible for and also very easy to apply i was excepted straight away and have the no ey next day which was greatly appreciated have actaully already recommended to others. Reviewed on: 30th May 2017

Problem free application

I was very impressed with the quick response to my application. A few relevant questions and checks and good to go.. Reviewed on: 30th May 2017

As clear as crystal

It is very easy to remove loan with zopa ,everything is as clear as crystal . Reviewed on: 30th May 2017

Straight forward and no messing about

Within minutes of applying for my loan to fit a new kitchen the decision was approved and I was able to change my monthly payment date. Reviewed on: 30th May 2017

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