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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)

Fantastic Finance

The entire customer experience with Zopa is superb. From the moment I clicked on the apply button I have found the levels of service to be first class, you are kept informed regularly about the status of your application and all communication is professional but informal. The icing on the cake is the great rate offered which was incredibly competitive. Reviewed on: 20th December 2016

Fast and easy

Essay to apply online. I also spoke to one of their advisors on the phone, who was friendly and helpful. Reviewed on: 20th December 2016

Fast, reliable, helpful.

I needed a small loan to fund an anniversary weekend which Zopa quickly sorted as I had some unexpected things effect me financially in the run up to the occasion, I found them very responsive, helpful and efficient in processing my application and was successful. Since this I've consolidated all my debts using Zopa and got a great rate also saving me money monthly and in the long run. I would highly recommend this company for a fast, reliable service at a good rate. Reviewed on: 20th December 2016

A great service

quick honest service. with everything outlined from the beginning. would definitely use again Reviewed on: 20th December 2016

Zopa is a lender who isn't out to steal your money

It's the easiest thing I've ever signed up for and I've been pleased with how efficient the whole thing is. Me and my wife each had a loan out and decided to take one out with zopa to pay the other two off with a much lower interest rate. Quick and easy and less than 10%Apr. Most lenders want obscene amounts back, twice as much as you have borrowed. Reviewed on: 20th December 2016

easy and hassle-free, good rates

easy and hassle-free, good rates Reviewed on: 20th December 2016

Flexible loan facility

Excellent facility flexible payment schedule completed in half the duration and easy to manage Reviewed on: 20th December 2016

Fab

Zopa made everything so easy. I think they are a brilliant company! Reviewed on: 20th December 2016

Efficient and user-friendly

A very efficient webp-based service which allowed me to apply for, borrow and repay a loan with the minimum of fuss. Reviewed on: 20th December 2016

So easy

So quick and easy. It is also affordable too! Reviewed on: 20th December 2016

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