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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)

easy, manageable, great!

my loan was great value, easy to apply and the repayments easy to manage, happy customer! Reviewed on: 20th December 2016

Zopa when you need a little help

Some times life throws you a curve ball and you need a little financial help zopa was there to smooth the way with great rates superb customer service to be proud of and an easy to navigate web site . Thanks zopa . Reviewed on: 20th December 2016

Best, reasonable and reliable

Best place I have found, cheap and so easy, I thought it would be complicated taking out a loan online but it was so easy, I've recommended to anyone that I've spoken to that needed a loan Reviewed on: 20th December 2016

Top Company with Competitive rates

Needed a loan, didn't want to borrow money. The Zopa % rate was competitive (top 3 on money saving expert). Everything was easy and on line. Would use them again Reviewed on: 20th December 2016

Why im so happy i picked zopa !

I needed to borrow a small amount of money but was unsure and worried about hte prospects of a loan that had high interest and lots of hidden terms and conditions , But i found zopa and its totaly strait foward with nothing hiden and no early pay back fees with excellent interst rates ! i havent looked back since Reviewed on: 20th December 2016

Easy to use site, fast repsonses

Easy to use site, fast repsonses Reviewed on: 20th December 2016

Simple, straightforward, clear and quick.

Happened upon Zopa while searching for an on-line short term loan. The website is clear, un-cluttered and jargon free. The terms and conditions are clear to understand and the application process was straightforward with quick decision. The interest rates are the best available even comparing to my high street bank. Since taking out the loan, my only further query with Zopa was a direct debit date change which again was completed on-line and immediately changed. Would I recommend Zopa ? Already have. And will be my go to point for any future requirements. Overall excellent. Reviewed on: 20th December 2016

Excellent service

Excellent rates and they make it so easy to calculate your payments and review your balance. Reviewed on: 20th December 2016

No nonsense

Very competitive interest rates. Timely decision. Easy to navigate website Reviewed on: 20th December 2016

Quick and easy service

The process with Zopa was really clear throughout, the language they use is easy to understand, you don't feel like they're hiding anything and I had confidence that they were a good provider when I took out a loan. I've been really happy with them and would recommend! Reviewed on: 20th December 2016

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