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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)

A loan company that works with you

I've used zopa a couple of times over the past few years. Setting up the loan was quick and straightforward. You can access the account online to see how much you have paid off. I refinanced an old loan and within 48 hrs the old loan was paid off, the new one set up and any outstanding funds were in my bank account. I've had no nasty surprises and the company does exactly what you'd expect. I would highly recommend Zopa and will look to use them again if needed in the future. Reviewed on: 30th May 2017

Great rates, easy to use

I have used Zopa for a while for both lending and borrowing and have been impressed with the clear and concise information, trustworthiness and competitive rates Reviewed on: 30th May 2017

This is how it should be

pay off loan when I want with extra payments above standard monthly direct debit. Monthly payment adjusts to reflect what is left to pay. Win win for me and Zopa. Customer service helpful and friendly. Reviewed on: 30th May 2017

Easy to apply - quick, fair decisions

My experience with zopa loans has so far been an enjoyable one. Quick fair decisions with full explanation and easy to apply. Reviewed on: 30th May 2017

Excellent service

I got my loan approved the same day and only took 3 days to go in my account I am very happy with the rates aswell. Reviewed on: 30th May 2017

Great Service

Zopa provided me a loan at a fantastic rate with flexible terms. I'd use Zopa again no questions asked Reviewed on: 30th May 2017

First class loan provider

Easy to use, excellent rates for borrowers, can't rate them highly enough. I have already recommended them to my family and friends. Would never look anywhere else for a loan in the future. Reviewed on: 30th May 2017

Brilliant.

Best loan company ive come across, cant recommend it enough Reviewed on: 30th May 2017

Excellent value

Great company ! I've had two Zopa loans now such a good company no hassles! Reviewed on: 30th May 2017

Easy to get, easy to manage

I borrowed £3500 a few years ago for a car, paid it off a year early by managing my account online. So easy to use and competitive I went back to borrow £5000 over 5 years to put toward some major home improvement, still over 3 years left but it's a good rate and we can pay extra as and when to save on the Interest. Reviewed on: 30th May 2017

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