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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 good experience with zopa They don't stress a...

I have good experience with zopa They don't stress anybody.They are going to go the are lovely. Reviewed on: 26th May 2024

Zopa, an easy loan.

I've had multiple loans from zopa and every time the process is so easy. Instant decision. And the website is great. Very informative as to your finances, not just what you owe them Reviewed on: 26th May 2024

good option for mid range credit scores

The interest rate was higher than from your bank, but not ridiculous. A good option for those who can’t get the best interest rate, but still need a loan. It was easy to manage through the app and when I paid it off early I wasn’t charged. Would recommend. Reviewed on: 25th May 2024

Payment Help

They were very understanding and helpful when I needed a payment plan due to financial difficulty. They were sympathetic and did not make me feel anxious Reviewed on: 24th May 2024

Easy application, transfer, and even easier to pay o...

Easy application, transfer, and even easier to pay off the loan early! magnificent Reviewed on: 24th May 2024

Bad experience for me

Had a bad experience- I did get have to set up a payment plan and this was hassle each time- also contact incorrect correspondence. The interest rate wasn't bad so that was the only positive Reviewed on: 24th May 2024

Life saver! Excellent service

I am on second loan with Zopa bank now. It’s easy to apply and you get a decision within couple of hours which was excellent in my situation both time. Once accepted you get the money transferred to your account right away. It was a life saver for me! Reviewed on: 24th May 2024

High interest rates

High interest rates, however easy to get accepted Reviewed on: 24th May 2024

Dealing with Zopa is straightforward and personal.

Dealing with Zopa is straightforward and personal. Everything is tailored to your needs. Their website is easy to manoeuvre through and there response is immediate. I think they are fair and responsible lenders never going over what you can reasonably afford. Reviewed on: 24th May 2024

A very helpful app

I've found Zopa helpful in many areas of my financing since first applying for a loan. Reviewed on: 24th May 2024

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