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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, painless

It was so quick and easy to get a loan from Zopa, and the interest rate was insanely cheap. Really happy! Reviewed on: 21st December 2016

Easy, quick, simple to understand

Application to funds transfer was quick, simple and I was kept well informed of progress throughout. Reviewed on: 21st December 2016

Quick easy and hassle free

Quick and easy process Great communication and ease of management Reviewed on: 21st December 2016

The best

Quick, transparent and reliable. Highly recommended. Reviewed on: 21st December 2016

Zopa top marks for keeping it simple. No hassle, fuss free, loan requested, loan provided

I found out about Zopa on money expert Martin Lewis website. Applied, accepted with minimum of fuss. Thank you Zopa Reviewed on: 21st December 2016

Perfect Service

Easy to apply for, great rates and fast service. Reviewed on: 21st December 2016

Ease and value

With all the talk of low interest rates it's easy to think that everyone must be offering them but shop around and you'll see that's not necessarily the case. Fortunately with a Zopa loan that IS the case and the process of applying for the loan was so straight forward. The website is clear and precise, all the information you need is there clearly laid out. You'll know exactly what you need to repay and when so there'll be no surprises. Reviewed on: 21st December 2016

Loan Mr David Scott

Very helpful ,polite & most of all acceptable rates,totally very professional will advise all to use. Probably use then later this year Thanks Reviewed on: 21st December 2016

Not a rip off company

Bank would not let me take a loan but had another company to let me take the loan the interest rate was high so a friend of mine told me about zopa applied for a loan zopa seen I had a good credit score and the interest rate offered was low for and could borrow more and pay less back unlike the other company also very easy to apply for and money in account with in a week. Would highly recommend zopa to anyone. Reviewed on: 21st December 2016

Simple, ethical, savvy!

I chose Zopa because I wanted an ethical way to borrow and I was prepared to go through a more involved process to get it - but it ended up being simpler than applying to a traditional lender. Communication was clear and timely, and the overall cost of the loan is extremely competitive. I don't hesitate to recommend Zopa and they'll be my first choice in future. Reviewed on: 21st December 2016

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