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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)

Quick and easy!

No fuss system, very easy to use with a useful dashboard to track and monitor progress Reviewed on: 30th May 2017

No brainer

Quick and easy and the best interest rate Reviewed on: 30th May 2017

Convenient, Easy and Great Interest Raets

Having been very new to the loan industry, I came across Zopa as one of the best recommended loans for a personal loan for a young person. I was not disappointed! The application process was smooth, easy and quick on making a judgement. Sometimes, things like this can be super difficult to understand and maintain, but I've never found anything difficult or had a misunderstanding when applying/using a Zopa loan, making it perfect for me and with low interest rates too. I'm pleasantly surprised at how easy Zopa makes getting a loan and I'd most definitely recommend them to anyone that I know. Thanks Zopa! Reviewed on: 30th May 2017

Easy and fast

Really easy to complete form and received money within a few days Reviewed on: 30th May 2017

Very good

I have used zopa now for one year they are very helpful team. The rate are very good I have also referred them to many of my mates and family. I will be using them again if I ever need quick cash it was in my account within a few days. Brilliant experience. Reviewed on: 30th May 2017

Very happy

Applied online, which was clear and easy to understand. Reviewed on: 30th May 2017

How modern finance should

Borrowing money is serious, but it just doesn't need to be confusing. Zopa have created an online process that helps me quickly and easily assess my options, review the rates specific to me and make an application in just a few clicks. It's really not hard. It's shocking that the banks have been able to make it so complex for so long! Zopa are delivering for customers like me, which means I'll actively try and create more customers for them. Great job folks, keep being awesome. Reviewed on: 30th May 2017

Easy and clear

Terms and conditions clear and easy to understand, application process straightforward Reviewed on: 30th May 2017

brilliant

Quick and easy, no hassle at all. Reviewed on: 30th May 2017

Quick and easy

Very simple to apply for a loan, and excellent interest rates. Reviewed on: 30th May 2017

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