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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

I have used Zopa on short notice and the process was very smooth and straightforward. Allowing customers to pay back earlier is a big step away from other old fashioned loan sharks. Recommended Reviewed on: 30th May 2017

Speedy and easy

Very quick process and quick decision, would happily use zopa loans again as other lenders take far to long to deal with and zopa seem to have very easy system to use with the option of making overpayments, would happily recommend to friends and family. Reviewed on: 30th May 2017

Brilliant

Quick, easy and no fuss, a decision in seconds and at affordable rates. Beats most high street deals, be foolish not to. Reviewed on: 30th May 2017

Great Customer Service

I got in touch and basically they done the rest, no hassle no embarrassment just great service, I would have no trouble recommending them to any one. Reviewed on: 30th May 2017

Top loan company

Zopa is an excellent loan company. I couldn't believe how low my Apr % came back and at a much better rate compared to the other company's on compare the market. Would highly recommend to family and friends as I already have and know of 2 people who have already gotten a loan from them since doing so. Reviewed on: 30th May 2017

Amazing

Easy, reliable and simple! Best provider by far.. Reviewed on: 30th May 2017

Helpful, Quick, Simple and Great Value

When I wanted to borrow cash to fund the purchase of a car, I comprehensively researched the market for the best deal and that is what first took me to Zopa - a company with which I had had no previous dealings. The application process was just the most straightforward and simple I'd ever encountered when seeking a loan and the staff I spoke with were quite genuinely helpful and informative. The application was turned around in very quick time and I received notification that it had been successful and received the funds by bank transfer very soon afterwards. The entire set up was extremely professional, from start to finish and I would have no hesitation in recommending Zopa to friends or relatives or indeed returning to them should I ever require a loan in the future. Reviewed on: 30th May 2017

Top Class service and hassle free

All the information required online. Excellent borrowing rates with instant reply when applying. Can't be faulted with no early repayment fee compared to High Street lenders. Don't have to trawl comparison sites anymore Reviewed on: 30th May 2017

Excellent service

So quick and easy, no fiddly forms, excellent customer service Reviewed on: 30th May 2017

Great loans at great rates

A great service with great rates. Communication is brilliant and very clear. I received a very quick decision Reviewed on: 30th May 2017

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