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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 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 (69089)

Very easy to understand and access, with a very prom...

Very easy to understand and access, with a very prompt decision. Reviewed on: 14th January 2025

Straightforward application process

The application on the site was easy to use. However, I had not filled everything in properly, and I had to supply some more information, but I was helped by a really nice member of your staff who sorted everything out and it was then all processed quickly and the money went straight into my bank. It was a real lifeline at the time, so the prompt attention turned a negative situation into a positive one. I highly recommend! Reviewed on: 14th January 2025

Good VFM & easy to deal with

Zopa provide competitive rates and are easy to deal with. Applying for a loan online is straightforward plus it's really easy to manage your loan, make overpayments and change your repayment date afterwards. Reviewed on: 14th January 2025

Easy process to apply for loan.

Easy process to apply for loan. I really liked the affordability sliding scale. The decision and then the transfer of the loan was all completed in a few days. It’s so easy to log on and check where you are up to or make an extra payment. I have used Zopa many times now over the last few years. Reviewed on: 14th January 2025

it was easy to apply

it was easy to apply and when I had a problem it was sorted straight away Reviewed on: 14th January 2025

Very fast, very easy.

Very fast, very easy. Very accessible and an app to track payments and settlement requests Reviewed on: 14th January 2025

car finance and a loan fast service

car finance and a loan fast service Reviewed on: 14th January 2025

Had a loan in minutes

Had a loan in minutes, app was easy to use, excellent service Reviewed on: 14th January 2025

Seriously easy application process and once approved...

Seriously easy application process and once approved all is very slick, great app. Reviewed on: 14th January 2025

I was struggling with the lose of my mum and dad an...

I was struggling with the lose of my mum and dad and needed short time help to pay their bills etc until their estate is tied up and shared .. dad passed intestate .. all done online in 4 minutes Reviewed on: 14th January 2025

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