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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)

Great company

Fast service. Received money into my account very quickly Reviewed on: 30th May 2017

New customer

Very clear on terms and helps to raise credit score Reviewed on: 30th May 2017

Excellent

Great customer service and simple application process . Reviewed on: 30th May 2017

Banking Industry Killer

Zopa's model allows it to offer the most competitive rates - but it's easy to undercut the competition if you just want to gain customers. What makes them better than the rest is that they've taken the social and technological concepts of the last few years - peer-to-peer finance, web usability, instant gratification - and brought them together in their platform. I'm a Barclays Premier banker and they called me up and asked if they could try to take over my loan. But they just couldn't beat Zopa's rate. So that says a lot. Reviewed on: 30th May 2017

Fast and Friendly Service

Fast payments, friendly team of advisors and quick decisions. I have used other providers in the past, however I would strongly recommend ZOPA over them all. Reviewed on: 30th May 2017

Simple and easy personal loan

Simple and easy personal loan for every one, highly recommended. Hustle free and quick process to get your loan in a few days time. Reviewed on: 30th May 2017

ideal for a car purchase

Have been impressed with the ease of use and flexible payment options. Also no hard sell. Reviewed on: 30th May 2017

I can recommend Zopa!

They have really good Customer service, fast, low interest rate. I can speak about Zuto only positive things. They helped me a lot. Try Zuto, it's really worth it. Reviewed on: 30th May 2017

Easy to use website and great customer service!

Website is very intuitive, clear and very easy to use. Allows you to do a wide range of tasks on the website, such as making early repayments, changing repayment date etc. Fantastic customer service as well. Reviewed on: 30th May 2017

Fast and efficient

Application process simple and response rate fast, with fair rates and transfer times. Customer response rate also timely and cordial. Highly recommend. Reviewed on: 30th May 2017

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