Write a review

Newsletter

Go to business site

Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69091 reviews)

View other Zopa products

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

Read all reviews Write a review

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.

Review Zopa: Personal loan now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.

Zopa Personal loan reviews (69091)

Better than Banks!!

Young professional who needed a loan to help move to London for a new job. The banks either couldn't help or wouldn't help quick enough. Zopa saved the day and my new job! Reviewed on: 30th May 2017

Really easy, honest loan

When looking for a loan I found most offered a rate and then changed it when approved. zopa didn't. The decision was quick and the money quickly available. Very impressed Reviewed on: 30th May 2017

Excellent

Quick and simple approval process, great rates and friendly service. It's been a pleasure to deal with you Reviewed on: 30th May 2017

Best Personal Loan Provider

Simple and quick application process and extremely fair and competitive rates. We have used Zopa twice now and both experiences were positive. We miscalculated our last payment date by one month and they were very understanding when the payment wasn't received. We simply paid a few days later with no default or extra extra interest. How's that for customer services..great! Reviewed on: 30th May 2017

Zopa - where to go if you need a loan

Zopa are fantastic - they give an answer almost immediately and offer good rates. I wasn't able to add my loan onto my mortgage so didn't know where to go when the roof needed done. Zopa enabled us to have a watertight home. Thank you! Reviewed on: 30th May 2017

Quick and Painless

Great rate and I couldn't believe how quick and painless the whole process was. Would definitely recommend. Reviewed on: 30th May 2017

Fantastic Company - Brilliant Customer Service

Zopa made the process of applying for a personal loan incredibly easy and stress free. After passing credit checks TW loan was finalised and in my account within a couple of days. I would highly recommend them to all! Reviewed on: 30th May 2017

very impressed

competitive rate and pleasant staff, application relatively straightforward. Reviewed on: 30th May 2017

Quick, easy, great value!

When looking for a long time loan with minimal interest and to get to me quickly, Zopa was the only option. Money in my account in 3 days, great interest rates, and fixed repayments. Easy. Reviewed on: 30th May 2017

Pain-free, speedy service

The Zopa experience far exceeds that of my bank. I consolidated my overdraft debt - I found the APR significantly lower, the paper work far less dense (and, it was actually accessible and easy to understand). If you have any questions, the advisors over the phone are ready and able to help (and I wasn't on hold for long at all). If you want to amend the payment schedule, the online account area is clearly labelled and easy to navigate. Reviewed on: 30th May 2017

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Personal loan
from 118 118 Money 4.76 from 4612 reviews
Peer to Peer Lending
from BridgeCrowd 3.77 from 6 reviews
Personal Loan
from Barclays 4.40 from 107 reviews

Want to see more from Zopa?

Fixed term savings account
from Zopa 4.87 from 1795 reviews
Credit card
from Zopa 4.87 from 44348 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub