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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 quick application

Very quick application, used to finance my wife's mobility scooter Reviewed on: 14th January 2025

Speedy and so accessible.

Speedy and so accessible.Can’t recommend enough Reviewed on: 14th January 2025

Problem free and easy to work with.

Had no issues from beginning to the end of the loan. Zopa have been the best financial organisation I’ve ever dealt with. Very easy to work with. From right at the start, the loan was paid into my bank account within minutes and everything was set up smoothly. Reviewed on: 14th January 2025

Quick and easy process.

Quick and easy process. Money was in my account within the specified time frame. Easy to use the App and navigate it. Reviewed on: 14th January 2025

I had a low credit score

With my credit score I never believe I would be offered a loan but ZOPA did offer me a loan that several banks had already rejected me Reviewed on: 14th January 2025

Great service

Having used different companies in the past none of them have offered the value for money and the ease of use like zopa Reviewed on: 14th January 2025

Zopa are great

Easy to borrow money. Great app to see what's left and to overlay if you want Reviewed on: 14th January 2025

I have used Zoos for 6 years I am happy with their s...

I have used Zoos for 6 years I am happy with their service Reviewed on: 14th January 2025

Zopa are speedy with acceptance

I have now taken out two loans with Zopa one of which finishes this month. App is easy to use and keeps you up to date with information about your loan. Acceptance is very speedy I am very happy with Zopa. Reviewed on: 14th January 2025

Applying was straightforward and easy to follow

Applying was straightforward and easy to follow Reviewed on: 14th January 2025

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