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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)

Fast easy application

Was very impressed how fast and easy the application was, the money was in my account within a few days and the online login makes everything really clear and easy to keep track of! Reviewed on: 30th May 2017

Reasonable and Responsible Lending.

I borrowed a small sum of money to make some much needed home improvements. When I looked at lenders on the High Street I was surprised to learn that it was more expensive to take out a relatively small loan and the banks encouraged me to borrow more money than I required in order to get more attractive interest rates and lower monthly repayments. Then I stumbled across Zopo who seemed to be too good to be true. I was able to borrow what I needed with a low monthly interest rate over a duration of time that suited my circumstances. It was hassle free to apply and the money was in the bank within 48hrs. I couldn't be happier with Zopa I would definitely recommend them to my friends and family. Reviewed on: 30th May 2017

No banks, No messin!

I've had 3 loans with Zopa now and all of them have been fast and hassle free. If your credits good, you're sorted! Reviewed on: 30th May 2017

Simple, professional, a pleasure to use

One of the easiest loan applications I have used. A+++++++++ Reviewed on: 30th May 2017

Great

Great way of securing a loan with a low apr Reviewed on: 30th May 2017

Simple, easy and great rates

Great service and very easy to apply, great rates and clear and concise application process, loan easy to administer and track my payments and outstanding amount. Reviewed on: 30th May 2017

Zopa makes it easy

Zoos approved within 5 working days, no hassle with repayments. I amended the date of payment to suit my cash flow, again no problems. Would 100% recommend zopa over high street banks/other online lenders - their rate was also the best available. Reviewed on: 30th May 2017

Straight forward and easy

Very good experience and easy online application was very efficient and had a decision in a matter of minutes. Funds where transferred in my account in a day or two Reviewed on: 30th May 2017

Simply the best

This company is a very straight forward system. It was so easy for me to take a loan out in my difficult time last year. The best part is the low interest fees and that you can pay off more quickly on top of your monthly payment plan. A clear website system to check your plans. Everything is just A* Reviewed on: 30th May 2017

Reliable , friendly company

Excellent experience with Zopa, easy smooth application procedure. Great account management online easy to access. Great service all round Reviewed on: 30th May 2017

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