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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)

The most Stress free loan application.

The application for a loan was simple and easy . a quick answer to acceptance . And the money was instantly put into the account . Reviewed on: 11th April 2024

Easy application process

U took two loans from them and all went very smoothly Reviewed on: 11th April 2024

Speedy efficient easy to use very convenient.

Speedy efficient easy to use very convenient. Reviewed on: 11th April 2024

Zopa does not discriminate against 'older' Customers!

Zopa has looked after me over a period of approx., 10 years or more. They have never discriminated, or prevented me from borrowing, even though I am a working pensioner, in full time employment. Hence the reason I stay as a loyal customer. Reviewed on: 11th April 2024

Good service and excellent response time

Good service and excellent response time Reviewed on: 11th April 2024

Fast response, regular updates & reminders.

Fast response, regular updates & reminders. Easy to apply. Reviewed on: 11th April 2024

User interface really good and simple to use

User interface really good and simple to use Reviewed on: 11th April 2024

If you need a loan, there is only one - ZOPA

I have had several personal loans with Zopa since 2016 and I can say they are a first class provider. Straight forward in dealings, empathetic and effective. Reviewed on: 11th April 2024

The transaction was in my account as soon as the che...

The transaction was in my account as soon as the checks were done. Which made it less daunting trying to get a loan. Reviewed on: 11th April 2024

helpful and easy to arrange, easier on the app than...

helpful and easy to arrange, easier on the app than online. Reviewed on: 11th April 2024

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