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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)

Extremely quick decision and hassle free experience

Zopa ranked top in a search for credit providers when looking to get a short term loan for some new transport. Time was of the essence and Zopa had a quick, no hassle decision and quick access to the money. Reviewed on: 30th May 2017

Quick, efficient, easy to understand

I took my loan through Zopa a month ago to finance the deposit for our new rented property. The process was incredibly easy to follow and I received my loan within 3 days. Having taken a loan from my bank before, I was pleasantly surprised by the interest amount, but also the speed and efficiency with which my load had been approved. The site itself is very user-friendly, I was able to change my payment date and address within seconds. Reviewed on: 30th May 2017

Super easy!

The whole experience was really easy and straight forward and the money was in my account in a few days. Great service and excellent rates all round :) Reviewed on: 30th May 2017

Would recommend to everyone, I have and will continue to do so

Effective, easy and efficient! I have recommended Zopa, to many friends and family members and will continue to do so. They have loans down to a t! You will not be disappointed Reviewed on: 30th May 2017

Zopa are one of the best!

I have had 2 loans out with zopa and it was so easy to apply and so simple and clear to understand exactly what you were getting.i currently have a £15500 loan out with zopa and couldn't be happier about it! Reviewed on: 30th May 2017

Easy to deal with

I found Zopa easy to talk to and they were quick and efficient in dealing with my request for money to help when I needed it most. Reviewed on: 30th May 2017

Quick easy

Simple and easy to use site. Received money quickly too. Reviewed on: 30th May 2017

Super, smashing, great!

I can't fault Zopa, they made everything straightforward and the rates where the best I could find. The loan is easy to manage and I wouldn't hesitate to recommend to my friends and family. Reviewed on: 30th May 2017

Straightforward

Excellent experience and straightforward process. I has nothing but praise for Zopa. Reviewed on: 30th May 2017

Brilliant money lenders

Easiest loan I have ever applied for. And a great apr rate also! Very happy. Will definitely be using them again. Reviewed on: 30th May 2017

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