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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)

Best Company

Have found them to be extremely friendly, competitive and very efficient. Would recommend them to anyone Reviewed on: 30th May 2017

Easy as can be

It was a great and efficient service from Zopa. All the information is readily to hand whilst the application process is very easy to use, straightforward, and hassle free. The online portal is also very handy to see all the details of your account easily. Very happy with the overall service. Zopa's loan will allow me to train for a new career and start a new direction. Reviewed on: 30th May 2017

The easiest, quickest and cheapest borrowing experience I've ever used

I used a comparison site and Zopa came up best value. Usually as the saying goes you get what you pay for, but with Zopa nothing could be further from the truth. It was a breeze from application to fulfilment and they do not penalise for making regualar overpayments. Next time I need to borrow some cash, why ask a friend when you have Zopa? I wouldn't hesitate to recommend. Reviewed on: 30th May 2017

No messing straight talking loan with an instant agreement and money in bank.

Was well happy with the service that I received. Reviewed on: 30th May 2017

Loans where others fail

Needed a personal loan to clear a Magnet buy now pay later deal at a ridiculous rate of interest! As I have an excellent credit rating I expected it not to be a problem, however with my popular bank and with a very well known supermarket bank, I couldn't get them to understand that the new loan was in place of Magnet loan, not on top of. No actual people to speak to to override their Automated systems. No such problem with Zopa. Instant loan no problem at a very competitive rate. Thank you. Reviewed on: 30th May 2017

Excellent Provider

Excellent rates, friendly service, easy to use website. This company literally has it all. Definitely deserves the title of best credit provider and I will be using for all my future credit needs. A* Reviewed on: 30th May 2017

Best choice to get loan

It is nice and easy to get loan at ZOPA. Quick approval, low rate, no hidden charges, easy to manage your loan trough convinient website. I am really happy with it! Reviewed on: 30th May 2017

Outstanding customer service

Just outstanding down to earth loan system that works for all, will use again. Reviewed on: 30th May 2017

i borrowed money from zopa

i borrowed some money, once I've paid it back it will be like getting a pay rise. Reviewed on: 30th May 2017

Couldn't ask for a better service

I literally couldn't ask for better communication, online portal or loan terms. I got a fantastic interest rate with Zopa. Reviewed on: 30th May 2017

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