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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 loan rate, Great Experience

I applied online and was immediately approved for a loan with the lowest rate I have seen anywhere. I had the option to have the money in my account with 24 hours, however I chose 3 days and the money was there as promised. Also, I like their very simple online portal that lets me overpay the loan whenever I want, without penalty. Excellent. Reviewed on: 30th May 2017

The Only Loan for People who hate People

So, I guess from the title you've gathered I don't like speaking on the phone to call centres - in fact I detest it, even having spent a few years working in one! With Zopa I wanted to grab a few pennies for some home renovations - long overdue and never my first choice for finance (with a broken nose and knackered tits from having two kids my first choice would be a reputable plastic surgeon - but il pay this loan back first..)! I applied online, it was quick - obviously my personal credit check was impeccable & BOOM accepted... just like that - no need to speak on the phone, the terms of financing could be viewed and reviewed at my pleasure (we all love a bit of light bed time reading to get us in the mood for the best slumber ever, right?) The next day funds were in my account & renovations/home decorating started - whilst I regret my house being a constant tip and wish I'd got a straight nose and rack to challenge Pammie's I'd recommend Zopa any day and will certainly be a returning customer for future financing requirements! Reviewed on: 30th May 2017

Simple and straight forward

Loan application process was very simple and straight forward when applying. With excellent communication from Zopa throughout. Many thanks. Reviewed on: 30th May 2017

No fuss low rates experience

Zopa have been seamless, offering me the lowest interest rate, I hope to use them again Reviewed on: 30th May 2017

Simple and easy to use with the willingness to do business

Called the contact number after i went on line and disscussed what i wamted the loan for they done a few checks and i was aproved within a few minute. Reviewed on: 30th May 2017

Simple and hassle free

The most straight forward experience of taking a loan I've had - quick , hassle free & great rates. Reviewed on: 30th May 2017

Zooplendus

Never heard of Zopa until I needed a loan and it quickly emerged as one of the best reviewed on most online compare sites. Obtaining the loan was quick and easy and I received my money directly into my nominated bank account ready for use soon after. Online maintenance and accessibility to reviewing the loan is excellent, the website is both user friendly and functional for overpayments, latest balance, monthly payments, and early settlement figures. I would recommend this product in a blink of an eye to all my family and friends. Thanks Zopa Reviewed on: 30th May 2017

Zopa review

Quick anf easy as 123 funds were in my account within a couple of day's Reviewed on: 30th May 2017

easy and reliable

i had a good experience,. it was eady to use. i have recommended to ovee 5 people. all positivr experiences Reviewed on: 30th May 2017

Would definitely recommend

I have had 3 loans now from zopa and I would recommend them to anyone as the rates are excellent and you can pay more or pay it all off early without charge. Reviewed on: 30th May 2017

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