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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)

Loan rates

The rates from zopa are ultra competitive and I am extremely happy with rate I have received, I would not hesitate to recommend 5***** Reviewed on: 30th May 2017

Great rates, quick turnaround time & excellent service

Zopa had the best rates, I was kept up to date on the progress of my application and the service was excellent. The process was straight forward & quick. Highly recommend Zopa. Reviewed on: 30th May 2017

Loan approval

The loan was approved and processed fast and hassle free. The best rate I could find by a large margin. My own bank's interest rate was almost four times higher! Reviewed on: 30th May 2017

Excellent

Honest & transparent. Very good service. Reviewed on: 30th May 2017

Trust-worthy personal load provider

It all started with Zopa's website where I got the quote. All super easy to navigate. I was very pleased with flexibility of the provider and I managed to create a perfect loan for myself - the amount I wanted in the timeframe that I could afford. Approval took a few days and the money went straight to my account. All very transparent and professional. I highly recommend Zopa, best experience with loan provider ever. Reviewed on: 30th May 2017

A straight forward service

I was approved my loan in 10 minutes after filling the form and I must say it is my first one. Good rates compare with other lenders. Reviewed on: 30th May 2017

Quick and easy

So quick and easy. No questions asked Reviewed on: 30th May 2017

Simple to do

Friendly staff everytime Iv needed to get in contact Reviewed on: 30th May 2017

Great

Great service, speedy response and process. The process was also very easy. I got higher than the advertised rate even with a top credit rating, but the flexibility of paying back early with no penalties or topping up the loan in future, as well as the ease of human communication is what stands Zopa apart from the standard providers in the market. Reviewed on: 30th May 2017

Zopa loan experience

Fast, Decisive, Efficient, Helpful! A most favourable experience for a personal finance transaction. From the point of application to making the direct debit repayments, the customer service has been excellent, easy to deal with advice, and knowledgeable and helpful team members. I would not hesitate to recommend Zopa in the future. Julie Gregory-Bateman. 30/05/2017 Reviewed on: 30th May 2017

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