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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 reviews)

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4.91

Based on 69,090 reviews, last reviewed 12th Sep 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Very good and very esy to apply Very good and very esy to apply very fast Reviewed on: 12th September 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 (69090)

Excellent rates and easy to pay extra off

Really pleased with the rates offered, ease of application and customer service. Only lose one star because of the freeze on paying extra money off for nearly 2 weeks whilst Direct debit is going through! Reviewed on: 30th May 2017

Fast, Easy and fair

My loan literally took minutes to sort out, all via my phone. I did not need to speak to anyone and the process was fast, very easy and made very clear. I would definitely recommend to friends and family. Very happy Reviewed on: 30th May 2017

Swift

Zopa were very swift in processing my application once they has everything they required. Five stars Reviewed on: 30th May 2017

Good value for money

Gold standard customer service is provided Reviewed on: 30th May 2017

Quick Car Loan needed and best quote price

I got in touch with Zopa as I sold my car and needed to secure a quick loan at the best price. Zopa has been the smoothest loan transaction from starting loan online to ringing up and changing the payment date for my direct debit. Usually you have to let the first transaction go through your bank and ring. Not with Zopa, they let me change it immediately and recalculated the loan immediately. Zopa was recommended by a friend and I will definitely use this company again. First class service.. Reviewed on: 30th May 2017

Amazing Customer Service

Zopa provides the information, let’s you make an independent decision and the customer service is second to none. Reviewed on: 30th May 2017

Zopa

Absolutely great service, great competitive rates and so easy to complete Reviewed on: 30th May 2017

Easy to apply for and quick to respond with a great rate

Ive had a few loans with zopa and they have been very sufficent and obliging when i was in times of hardship . Reviewed on: 30th May 2017

No hassle & great rates

I've had two loans from zopa love the fact you can pay extra money when you like and the payements go down. Excellent customer service. Never had a problem. Reviewed on: 30th May 2017

More than helped me at a very difficult time. Will recommend Zopa to friends and famiuly

Continuous help and understanding from Staff. Made the whole experience less traumatic and by the relaxed and pleasant response from the staff I was more than pleased to continue with the application. Thank you Zopa for all your help. Reviewed on: 30th May 2017

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