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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)

Fast, efficient and low rates.

Simple: low rates, simple to use website and money transferred promptly. Reviewed on: 27th December 2016

easy-peasy

Easy application. Super quick decision. Simple. Reviewed on: 27th December 2016

Fast, efficient and tailored to my needs.

Flexible approach, being able to pay off early if my circumstances changed suited my needs. Email communication was always clear and helpful. A positive borrowing experience. Reviewed on: 27th December 2016

Ease of application and interest rate equal to the big banks

Through Clearscore it rated Zopa alongside all other lenders in the market. The rate was better than Santander. Application was quick and simple and online. Would recommend to anyone. Reviewed on: 26th December 2016

Well explained and easy to set up.

Did my research for a loan and the best deal was with zopa. Reviewed on: 26th December 2016

easy,efficient, fair,competitive rates

my experience was quick, painless and efficient Reviewed on: 26th December 2016

Arranging a loan with Zopa was quick and straightforward

Really straightforward to apply for a loan and upload documents, rapid response Reviewed on: 26th December 2016

Simply Excellent

Brilliant company. Online pages easy to navigate and all the information you need is there for you. No need to contact a Customer Service Centre and spend hours on the phone. Loan approved and paid direct into bank really quickly, low rates. No mithering emails either about additional borrowing etc, does exactly what it says on the tin! Overall the best loan company I've ever used. Reviewed on: 26th December 2016

Simple, straightforward

Fantastic, simple to use service Reviewed on: 26th December 2016

Brilliant!

Lower interest rate then my bank and excellent customer seevice! Would definitely recommend zopa above any other loan company! Reviewed on: 25th December 2016

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