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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)

Wonderfully convenient service!

It was a hassle free business all the way..applied online for a 10k loan in a few quick and easy steps, got an approval saying money should be with me within 3 working days, it was there in 2..I wanted to pay off early and it was not a problem as I could simply log into my account and get a lump sum payment option with the exact Amount I needed to pay on the day..really happy with the way it went from first point of contact to the closing off..higly recommended! Reviewed on: 20th December 2016

Never an issue

Hassle free, quick and simple. Wouldn't hesitate to use again! Reviewed on: 20th December 2016

Easy to deal with

Website easy to navigate & decision is quick. Rates are competitive and would recommend Reviewed on: 20th December 2016

So easy!!

The application was very straightforward and took minutes. I love that you can just go on the website to overpay and view your loan and it is laid out simply without the need for jargons and complicated APR 'bumpff' I got a really good rate too which helps :) Reviewed on: 20th December 2016

Zopa personal loan

Applying was very simple and staff are very helpful, will definitely come back when I need to, great job guys. Reviewed on: 20th December 2016

Quick, easy, hassle-free.

Quick and easy, five minutes online and had the money in a couple of days. And they actually gave me the rate they advertised, unlike most other places. Reviewed on: 20th December 2016

Quck and easy to apply. First time rates are great.

Easy to use website, great first time rates. Quick turnaround once you have submitted the paperwork. Would recommend this site! Reviewed on: 20th December 2016

sooooooooo happy!!! no1 company

This is a fantastic company.I dont do recommendations But for this company I just had too.legal decent and honest !!!! the best finance company around. Reviewed on: 20th December 2016

good rate

cheap rate, easy to apply. soft credit check Reviewed on: 20th December 2016

First class loan product

I needed a new kitchen as my old one was getting too shabby. I didnt have the cash upfront so started looking at loans from banks. I stumbled across Zopa, and its the best thing that I did. Lowest interest, easy to arrange, and it misses out the big boys in the loan game Reviewed on: 20th December 2016

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