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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)

Best by Far!

I was really pleased on how easy it was to borrow from Zopa rather than High St Banks . I was extremely surprised at how smooth the transaction was from application to loan being accepted and paid into my bank. The package you offered was superb and cheapest on the market. Delighted 10/10 Reviewed on: 30th May 2017

Very likely, efficient effective and easy

Needed a loan. I went online did the paperwork and it was sorted easily and harmoniously Reviewed on: 30th May 2017

Quick and efficient loan

My loan has been accepted within hours, very good APR and my money came in rather quickly. Highly recommended. Reviewed on: 30th May 2017

Excellent

Always use zopa if I need a loan. Have recommended you to many people Reviewed on: 30th May 2017

Definitely the best company to deal with :-)

I'd not had a loan for years and applied through Zopa! It was very easy and they didn't need to know my family history or my inside leg measurements to approve my loan! I would definitely recommend them!! Reviewed on: 30th May 2017

Excellent product

Quick and simple, only took 10mins and I can't believe their interest rates!! Beat most if not all high street interest rates and was accepted even though credit score isn't excellent. Reviewed on: 30th May 2017

Very happy

Great rates is the main thing but also great to be able to track the loan repayment online and offers of additional offers later for subsequent loans Reviewed on: 30th May 2017

Very easy process

Really easy process to apply with Zopa. All our communication happened online & via email, which is my preference. Their website includes a very clear break down of the repayment schedule, how much is fees, etc. I changed my repayment date to the best date for my finances, just by clicking in the relevant tab on the website. All this and by far the lowest APR from the many quotes I got! Definitely recommended. Reviewed on: 30th May 2017

No hassle lender

I would recommend zopa to anyone , great rates and above all a " No hassle lender " no more words are needed. Reviewed on: 30th May 2017

Quick, efficient and hassle free service

Quick, efficient and hassle free service Reviewed on: 30th May 2017

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