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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)

Top Drawer

I needed a loan to buy a car and Zopa ticked every box. Great rates, flexible repayments terms, I had already had 2 people recommend them to me and it was all so quick and easy to do. I would happily recommend them to anyone. Reviewed on: 30th May 2017

A terrific loan company

I saw their very competitive interest rates and decided to apply. A simple application process was made easier by being able to talk through my complicated financial situation. Once approved, the money was deposited swiftly allowing me to negotiate a very acceptable deal for my new car. I certainly recommend Zopa and will use their services again. Reviewed on: 30th May 2017

Best deal for a loan

They had the best interest rates and were super fast in approving my loan and getting the money into my account. Strongly recommended Reviewed on: 30th May 2017

Just so simple

I was offered the opportunity to upgrade my holiday home, but had to make a quick decision and complete the deal in a short space of time. Whilst other loan companies made the process difficult Zopa were brilliant and I had cleared funds remarkably quickly meaning I got my new holiday home. Thank You. Reviewed on: 30th May 2017

Quick descision

Great rates no hassle would defo recommend Reviewed on: 30th May 2017

Personal Loan review

I have nothing but great things to say about Zopa - really quick customer service and so helpful. It's not often that you get a loan provider with a realistic APR and that allows you to make additional payments. Have already recommended to a few friends! So happy with them Reviewed on: 30th May 2017

1,2,3... Done

When I applied for a loan with Zopa it was quick and easy, no hassle at all, just how most people (including me) like to do business! Their website is easy to use and they got back to me as soon as possible, no waiting around in the dark! I would use them again in a heart beat! Reviewed on: 30th May 2017

Easy money easy payments

It was every easy to do the application And money as in the bank that quick and with affordable payments not like some companys with silly APR Reviewed on: 30th May 2017

Brilliant loan provider

Zopa made a decision very quick and even transferred the money before the advised working days it could take. Fantastic rate also. Thank you Reviewed on: 30th May 2017

Quick and reliable

Was told id need to wait up to 3 days after exception for the funds and the funds was in my account within the first hour, took less than 12 hours for acception and repayment schemes are very achievable Reviewed on: 30th May 2017

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