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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)

I have a loan and credit card with Zopa.

I have a loan and credit card with Zopa. I have nothing but praise for their service. Reviewed on: 14th January 2025

Excellence all round.

Every single interaction with Zopa, be it on the website, app or over the phone, has been excellent. The information is clear and concise Reviewed on: 14th January 2025

Never had a bad experience.

Never had a bad experience. Super easy interface and clear picture of the loans repayments. Always superb Reviewed on: 14th January 2025

Money in bank very quickly when needed

Money in bank very quickly when needed Reviewed on: 14th January 2025

Seamless loan management

Quickly arranged loan. No problems at all with the administration of the loan. Very competitive loan rate. Frequent regular and clear updates on the account situation. Friendly interface with staff when setting up the loan initially Reviewed on: 14th January 2025

Easy to apply

So easy to apply and a quick decision then the funds were in the account fast aswell, fantastic to deal with and will recommend to anyone who listens Reviewed on: 14th January 2025

Simple easy fast

Is Simple very easy n get the result fast Reviewed on: 14th January 2025

Not had any issues great service

Not had any issues great service Reviewed on: 14th January 2025

Loan application very smooth and logical.

Loan application very smooth and logical. The ability to make additional payments easily without any penalty is great. The app is also easy to use with helpful info Reviewed on: 14th January 2025

A good and positive experience.

I found the whole experience very efficient it was not complicated and things were settled promptly. Being able to apply and manage, in a simple digital manner, very appealing. Reviewed on: 14th January 2025

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