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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)

Painless and simple

Shopped around for a decent APR when I stumbled across Zopa, a bit of research later and I applied as the APR was better than was offered by my own bank who I've been with for over 10years! Within 24 hours it was approved, and in the bank, simple as that. No long drawn out forms to fill in, no phone calls, no tennis emails, no hassle. Even managed to change the payment date online with no hassle too, and I can log in and check my account easily anytime. Very impressed customer Reviewed on: 30th May 2017

Great

Zopa is great I recommend to anyone who depends on the time. Reviewed on: 30th May 2017

Really quick and easy!

I couldn't have asked for a faster or easier way to get a loan. I chose a suitable day for my payment to be taken, and am really happy with the overall experience! Reviewed on: 30th May 2017

The best around

Easy to deal with and very user friendly.Zopa are the best in my opinion. Reviewed on: 30th May 2017

No. 1 for loans

Excellent website, easy to use with clear instructions. Simplified application that even I could follow. Top job Zopa. Reviewed on: 30th May 2017

Excellent

Very competitive rates, professional and easy to use service Reviewed on: 30th May 2017

Quick and very user friendly application process

Easiest and quickest loan or credit application process I have ever experienced. Decision quick and money in the bank in a couple of days, no change of advertised rates unlike many other providers that give you the decision in principle and then hike up the rates in a paper based offer letter. Amazing customer experience, truly would recommend to others without hesitation. Reviewed on: 30th May 2017

Fantastic loan

It was really easy to apply for a loan, quick answer and you could make early repayments without any charges. Really simple loan Reviewed on: 30th May 2017

Very satisfactory

Had no problems whatsoever, and should a problem occur feel Zopa would help solve it. Reviewed on: 30th May 2017

Life changing loan!

I've been with my girlfriend for 4 years now, and thanks to a 2 year loan at an excellent interest rate with manageable monthly repayments, I will be proposing to her in Mexico (complete with diamond ring) a truly life changing loan which means we'll be to start moving forward into the next phase of our life. The option to pay off the loan is an excellent bonus addition which we will probably be doing, so as we can begin wedding planning. Reviewed on: 30th May 2017

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