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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)

Quick and easy

Zopa was very quick and easy to use. Within a week I had applied for my loan and it was accepted and in my bank. Reviewed on: 30th May 2017

All good

Quick and easy and a good interest rate beat my bank by a little bit many thanks Reviewed on: 30th May 2017

Great fast efficient

Easy to use, fast service and no hidden fees or clauses Reviewed on: 30th May 2017

Really easy to deal with, no problems

Really easy to deal with, no problems. Managed to sort everything online Reviewed on: 30th May 2017

Honest and Transparent. Excellent service

Zopa have been a brilliant loan provider. Great service throughout, i would definitely use them again. Reviewed on: 30th May 2017

Fast, low APR and no issues what so ever!

Money was in my account fast, easy to pay back, low APR and not had a single issue with them! Reviewed on: 30th May 2017

Excellent lender. Easy to understand

I have never had a large loan so was nervous when looking into it. I was worried the terms would be complicated and I wouldn't actually know how much I would be laying back but zopa had a simple to follow breakdown. Money was in my account quickly and the communication is just right. I know where I stand but I'm not swamped with junk mail. Would highly recommend Zopa to friends and family. Reviewed on: 30th May 2017

To enter prize draw

All ok .... except interest rate extortionate. Service decent but they are making plenty of money off people. Reviewed on: 30th May 2017

Quick and easy home improvment load

Quick, easy and very good rates on home improvement loan. Reviewed on: 30th May 2017

No need to compare as Zopa are just great and fair.

I've stopped wasting time comparing other loan sites due to years of borrowing from Zopa. Low rates, great offers to loyal customers, quick and easy to apply, easy to pay back with no early payment fee, the best customer service I just wish all businesses were run as efficiently as Zopa. Can't fault them, whenever I need a loan I always go to Zopa. Thank you Zopa for helping me in times of financial need and not ripping me off for the privilege. Reviewed on: 30th May 2017

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