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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)

Zopa is Excellent

Zopa gives absolutely excellent customer service - very obviously much better than the traditional banks or Zopa's higher interest competitors Reviewed on: 19th December 2016

amazing company to deal with

very efficient and fast service without all the normal online hassles. Reviewed on: 19th December 2016

Super easy

So quick and very straight forward from easygoing staff. Very happy Reviewed on: 19th December 2016

Clear and easy borrowing

I recently took out a Zopa loan. Tha affordability calculator and paperwork were easy to understand and complete. Money arrived quickly and has made a real difference. Thanks Reviewed on: 19th December 2016

Regular borrower - wouldn't look anywhere else

I've had 4 short term loans from Zopa spanning over 10 years. They are my first choice and the application process couldn't be simpler. It's also easy to check online how much you owe and can keep a track on your loan. Zopa takes the stress out of borrowing money. Reviewed on: 19th December 2016

Straightforward and open

Taking out a loan was very simple. The web site was so easy and clear. I was kept up to date with the progress of my application and I felt confident all was going well. The money arrived in my account very quickly once approved. Easier than any previous loan and yet still reassured I was being sensible and staying within my limits. Reviewed on: 19th December 2016

Easy fast service with great rates

Everything about the process of applying and receiving my loan was easy and seamless. Fab service. Reviewed on: 19th December 2016

Clear, quick application! Much better than my bank!

Zopa is great! Really easy to use website. A quick decision! A great interest rate. And really flexible terms. All in all much better than the loan I took out from my bank a few years ago. Reviewed on: 19th December 2016

Excellent/brilliant communication

Straight forward and easy to do excellent rates,would definitely recommend to anyone thinking of getting a loan Reviewed on: 19th December 2016

Fantastic service, hassle free, best rates

After calling customer services I took out a small emergency loan. All information was given over the phone was clear. It took couple of days to get the money and I was able to log into my online account to oversee how much is left. It was very easy and I had the option to pay towards the loan anytime I was able to or pay it off completely. Zopa offered the best interest rates out there. I was very impressed overall with the service and with how easy it was to use the online account. Fantastic option and I would highly recommend Zopa. Thank you. Reviewed on: 19th December 2016

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