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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)

Affordable loan

Competitive interest, easy to apply, quick decision. Reviewed on: 30th May 2017

Easy, quick, simple

Easy to apply for the loans that offer really good rates on the amount I borrowed. They keep me up to date with e-mails(but don't bombard) that link you to an easy and informative account. Thanks Phil Reviewed on: 30th May 2017

The best Company in it's class

There is no pressure at all when you deal with Zopa .They let you decide on what you want and how much you want to take your loan over.its that Simple.And that's why Zopa is number 1 in it's class. Reviewed on: 30th May 2017

Very efficient,easy application form. Thank you very much

Very efficient,easy application,highly recommend. Thank you Reviewed on: 30th May 2017

Great experience and good rates..

Expectations using Zopa are transparent and simple to understand. My experience evidenced my positive review. Within minutes it was all agreed and I had no mis-perceptions using Zopa. Amazing how this innovative business is transforming how we lend. Very happy customer. Reviewed on: 30th May 2017

Great loans

Easy hassle free process with good rates. Reviewed on: 30th May 2017

My loan with Zopa

Easy to deal with.. easy to set up.. and a fantastically low apr :) Reviewed on: 30th May 2017

efficient and fast

efficient and fast Jean wrote on July 30, 2016 * * * * * The procedure was very straight forward, I made the enquiry for what I wanted and the reply came back staightaway.... Reviewed on: 30th May 2017

Truly Amazing!!! Zopa ftw!

Best loan provider and ease of applying for the loan I have ever come across! I never even heard of Zopa before until Experian UK recommend them for me, I am so happy they did because Zopa had the lowest fixed apr% and it was so easy to apply online. They gave me the answer of accepting my loan and then confirmation of the loan going in to my bank within 3 days! And that was all in 5 or 10 minutes of applying! What more could you ask for? Zopa ftw Reviewed on: 30th May 2017

Zopa the fabulous efficient loan service

My experience of obtaining a loan with Zopa has been fast efficient and stress free and would highly recommend them to anyone who is looking for a great loan service. Reviewed on: 30th May 2017

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