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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)

Quick & Easy

We needed a bigger car for our baby and went to Zopa and got a loan within a few minutes and the repayments were half that of the dealership. Brilliant!! Reviewed on: 30th May 2017

best lending company I've ever used

Kept up to date at all times, with the best APR rates available Reviewed on: 30th May 2017

Quick and simple process

I came to Zopa in search of a loan that would help me pay off a credit card balance. The process took 10 mins and was a very easy one. The whole process was clearly explained at each step making it very easy to understand what I was agreeing to. 10/10 Reviewed on: 30th May 2017

first class

First class rates,first class service . No hassle and a fast payout. Would recommend to anyone Reviewed on: 30th May 2017

Quick and Easy

Amazing! Very quick and easy. Straighforward service that doesnt keep you waiting on the outcome. Also, really like how customisable your loan is. Love that you are able to choose your own repayment date and that you have the option to pay off more or all of your loan whenever you want. Reviewed on: 30th May 2017

Upfront Loans, Reasonable Rates

I've found my Zopa Loan has been excellent. I knew exactly what it would cost me in interest and fees before applying, the loan was approved in a few days and from approval I had the money in the bank the next day. I've had no problems setting up my repayments and the whole thing has been hassle free. Reviewed on: 30th May 2017

Great, quick service

Would recommend to anyone. Great service, and process. Reviewed on: 30th May 2017

Excellent company

Quick and easy to apply, approved straight away even though I don't have the best credit rating! I can deal with everything online which makes it so much easier, including changing my repayment dates. Would definitely recommend Zopa Reviewed on: 30th May 2017

Very quick efficient service

Great, quick application process. Great rates offered before agreeing to loan. Reviewed on: 30th May 2017

Always honest

Zopa have always provided a fantastic service. Reviewed on: 30th May 2017

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