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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)

Very efficient service

I needed a loan and I did not want a high rate and not over too long a period. Zopa had the right loan which I took. Reviewed on: 22nd December 2016

Way to use, efficient, good value

I've been with Zopa for a few years. The website is simple to use, loans are easy to apply for and the process is very efficient. I have recommended them to people I know and will continue to do so Reviewed on: 22nd December 2016

Quick, easy, cheap

It is hard to compete with Zopas interest rates when it comes to small and short term loans. I am very satisfied. Reviewed on: 22nd December 2016

Zopa Leads the way

Zopa have a relaxed professional approach to lending with a huge focus on Customer service Reviewed on: 22nd December 2016

Zopa leads the way

Zopa have a relaxed professional approach to Lending with a Huge focus on customer service Reviewed on: 22nd December 2016

Thank you Zopa and your speedy service

I was lucky enough to get this loan on behalf of my son who had been struggling to get a car as bus routes didn't get him to his new job on time. Loan was processed immediately and had the money within 3 days as promised! He's doing great in his job and paying me back monthly for the loan. Thank you Zopa! Reviewed on: 22nd December 2016

Very good and fast service, and low interest rates.

I am took a loan from Zopa.com and I am very happy because the loan it helped for me very much and the interest is are small, it is possible to change the payment date without any penalty, as much as I have had loans from different companies Zopa.com is the best, if i need the loan again I will come back to the Zopa.com for it. Thank you very much to Zopa.com. Reviewed on: 22nd December 2016

Clear and slick website

Zopa website is clear and easy to use. Made ti very easy to compare options and understand the rates and terms. Guided me easily through the application. I would recommend Zopa's website as a best practice example. Reviewed on: 22nd December 2016

Excellent Lender

Took out a home improvement loan with Zopa. Terms and rates were clearly explained and much more competitive than the high street banks. Early repayment with no penalties is a major plus point. Application was processed quickly with no fuss. I would recommend Zopa. Reviewed on: 22nd December 2016

Easy and good rates

Easy and quick with great rates. Reviewed on: 22nd December 2016

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