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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)

Loan approved in seconds and I’m my account within m...

Loan approved in seconds and I’m my account within minutes literally Reviewed on: 14th January 2025

Highly recommend Zopa

Easy to use, the app allows me to track easily and manage my loan and the rates applied are really competitive. I would definitely recommend Zopa to family and friends. Reviewed on: 14th January 2025

Good rates, easy to manage.

Good rates, easy to manage. I like the option to make overpayments too, not all banks provide this. Reviewed on: 14th January 2025

Very easy lian processing and also easy to change di...

Very easy lian processing and also easy to change direct debits for flexible payment and one of my lian has a very good interest rate Reviewed on: 14th January 2025

Needed fund for my daughters funeral zopa staff via...

Needed fund for my daughters funeral zopa staff via phone call granted lian same day excellent service Reviewed on: 14th January 2025

My experience has been fine, thank you.

My experience has been fine, thank you. Reviewed on: 14th January 2025

I have been looking at going on holiday this year bu...

I have been looking at going on holiday this year but was unsure as bills are so high these days and the flights were quite expensive, but I had an email from my credit score provider outlining Zopa as one of my options for a loan. I filled the form out online and the moment I sent the form through Zopa were extremely helpful with any questions I asked and very professional in their responses. The loan was super easy to finalise and post loan service is exemplary. Reviewed on: 14th January 2025

Quick and efficient.

Quick and efficient. A friendly service, kept informed at every stage, felt valued as a customer. Reviewed on: 14th January 2025

Good customer service

I needed a loan urgently and Zopa met my need. So grateful Reviewed on: 14th January 2025

Zopa is the best loan provider.

Zopa is the best loan provider. Easy application process and funds are available straight away. I cannot recommend you enough. If anyone is thinking of applying with Zopa, please go ahead. Thank you for not judging me by scores only and for giving me a second chance. Reviewed on: 14th January 2025

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