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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69089 reviews)

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4.91

Based on 69,089 reviews, last reviewed 16th Aug 2026

100% 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

Zopa is great Very fast to get an answer and money in the bank straight away Reviewed on: 16th August 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 (69089)

Fantastic service easy to complete!

Easiest loan I have ever taken out. Simplicity was the key to zola success, user friendly website makes it very easy to track how my progress through the repayment is going. Also zopa shows how much I could save if I was to repay larger amounts earlier which also benefits me. Reviewed on: 19th December 2016

Never had a problem!

The amount of money I requested was in my bank very quickly. Never had any issues. Reviewed on: 19th December 2016

Zopa loan

Great customer service Very easy to deal with. Reviewed on: 19th December 2016

Excellent service

All any loan company asks is that you play fair with them, don't borrow more than you can afford, and if you find yourself unable to keep up with your repayments, tell the lender and discuss the problem with them. A few years ago fate dropped me in the proverbial excrement and I was unable to service my debts, cards and loans. So I agreed a debt repayment plan, tightened my belt, and lived frugally until, after a few more years, my debts were fully repaid. The gods must have taken notice of this because, when I applied to Zopa, not without some trepidation, for a loan last year for some essential home renovations, I had never heard of Zopa before, and I was amazed at how simple and quick and easy the whole process was. Their follow-up customer service, too, was excellent. So how did I find Zopa, and what made me choose them? Well. one of the top websites specializing in money tips recommended Zopa as pretty much the best loan company around. Which is why I'm making the same recommendation to everybody now. Reviewed on: 19th December 2016

Easy

So simple. Quick and professional. Reviewed on: 19th December 2016

Very good and really helpfull

Very easy to deal with and very helpfull would use this company again in the future Reviewed on: 19th December 2016

Excellent & honest

The no-nonsense website that gave an immediate response, most competitive rates around, no hidden fees even with early repayment, would definitely recommend and use again is needed Reviewed on: 19th December 2016

Stress free application

I have never had such an easy application for a loan. Fantastic communication at every stage of the application process and funds transferred in super quick time. Complete flexibility to repayment date so easy to manage via the website. Would highly recommend. Reviewed on: 19th December 2016

Great overall experience

It was so easy to apply for, we set the repayments to what we wanted and the money was in our account quickly. No problems with early repayment. A great personal loan. Reviewed on: 19th December 2016

Secure and sensible company

Borrowed money for car purchase and the website and whole process was easy to follow and all information was there for me to make a judgment on whether the terms suited me. Interest rate was competitive and one of the elements I liked, was that a lump sum could be paid into the loan whenever I wanted to reduce the length of loan time, so flexible. Reviewed on: 19th December 2016

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