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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)

Easy to apply and fantastic customer sericr

The application process was easy and got an answer very quickly. They provide an itemised statement each year, along with special rates if you keep up repayments. The APR is very competitive and no hidden fees. Reviewed on: 30th May 2017

Very easy to apply. And decision made very quickly

Easy to follow online account. Low Apr rates and affordable repayments Reviewed on: 30th May 2017

The most rewarding loan on the market

I applied for a ZOPA loan and got my payment within 24 hours. The loan is affordable and allows me to be financially well off. Reviewed on: 30th May 2017

It's so easy

We were in the middle of having an extension built and all of the bills were coming in higher than expected and zopa came to our rescue. It was so easy we filled out the form online and were accepted Reviewed on: 30th May 2017

Straightforward and reassuring

Just completely no hassle! Application process is easy and quick and the decision came through quickly. The online interface is no frills but does what it needs to do. Would definitely use again. Reviewed on: 30th May 2017

EXCELLENT

Easy to get money, low interest. Great experience overall!!! Reviewed on: 30th May 2017

Needed help with the campervan

Like many others our campervan does very little over the winter. It seems that water got into the gearbox through the breather, the temperature dropped and the water froze. I moved it and the gearbox burst out from the inside. I didn't have the money to get it fixed. After looking around I found Zopa, liked the way they work and applied for a loan. The application was accepted, the money swiftly transferred and I was to get the 'van back on the road. As it happened I was able to repay the loan early and again that was handled with the minimum of fuss. All in all a very very positive experience. I would not hesitate to recommend Zopa and have also considered investing with them myself. Reviewed on: 30th May 2017

No brainer

Zooa was an obvious choice for me - good rate and simple, quick application. Reviewed on: 30th May 2017

Totally straight forward so understandable

So easy and straight forward , no hassle Reviewed on: 30th May 2017

Competitive rates and quick

Competitive rates, flexible terms and very quick to process. Helpful people to talk to when wanted to get balance info or for making over payments. Would use again. Reviewed on: 30th May 2017

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