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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)

Absolutely brilliant!

My motorcycle blew up and I couldn't really afford a new one. with minutes of my application, I'd been told I'd passed the checks and got my loan 2 days later. Quick, simple, and easy. Reviewed on: 30th May 2017

Zuper Zopa!

Zopa surpassed all other loan company's in giving the best deal, including the interest rate. With their simple formula for checking credit suitability I was able to take advantage of one of their Zuper loans! I would recommend this company with great zeal to anyone in need of an injection of cash who can affordably manage it. Reviewed on: 30th May 2017

One of a kind...

I believe that the service Zopa provides to its customers is absolutely phenomenal. The website and the overall application process was rather easy and posed no problems whatsoever; the waiting time for the decision was incredibly quick! I had an enquiry and had to contact customer services, and they were polite and courteous and ensured that the customer satisfaction was high by maintaining their high standards. Overall very pleased, and I am highly likely to recommend this to other. Reviewed on: 30th May 2017

Fast and simple

I needed a small loan and was finding it difficult to compare options on various bank comparison sites. Then Zopa came up in Google results and as soon as I saw the website I knew it was the right place. Their calculator immediately made me find the right package, and in no time at all the money was sitting in my account. You tend to think loans would be a pain with face to face grilling and a long credit check process, but Zopa was a breeze. I'm very glad I went with them. Reviewed on: 30th May 2017

So easy

The application process is simple. Once I had the loan it was easy to keep track of how much I owed on-line and when I wanted to consolidate other finance it was simple to increase my loan. Interest rates are also competitive. Reviewed on: 30th May 2017

Super Quick and Easy!

This was my first loan and, being fairly young, I have a lack of credit history which meant even though my score was 'good' I was still get ridiculous interest rates from my bank. I used money-supermarket to see if there were any other options which is how I found Zopa. Initially, I was a bit wary after hearing horror stories about companies like Wonga.com etc. but the website was so informative that my worries quickly disappeared. I was approved and paid the extra to have the next day service so I applied for the loan by 10am Thursday and had the money in my account within about 28 hours. Overall, I was extremely happy! Reviewed on: 30th May 2017

Very easy very quick

Very easy to apply for the loan and very quick when I was accepted Reviewed on: 30th May 2017

Best loan ever

Fast friendly experience easy form start to finish Reviewed on: 30th May 2017

show me the money...

I had never taken a loan before so discussed it over the phone with a member of the customer service team. they were so helpful and put me on the right track of clearing me of debt! you're reading this thinking this sounds like a corny add , but I'm now on my way to a brilliant financial situation! this year I become a home owner! fingers crossed! Reviewed on: 30th May 2017

Quick and easy

Great company so quick and easy and much cheaper than the loan I was refinancing Reviewed on: 30th May 2017

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