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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69084 reviews)

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4.91

Based on 69,084 reviews, last reviewed 19th May 2026

14% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Easy to us app and find information Easy to us app and find information Reviewed on: 19th May 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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Zopa Personal loan reviews (69084)

Straightforward application process.

Straightforward application process. Easy to navigate website and prompt funds transfer. Reviewed on: 6th April 2024

Quick, clear & excellent app.

Quick, clear & excellent app. Easy to understand & navigate Reviewed on: 6th April 2024

Very good simple service

Zopa has provided good value loans and their app is easy to use. I have never had an issue or had to speak to customer service about anything. Reviewed on: 6th April 2024

Good overall experience

Very easy process and excellent communication throughout Reviewed on: 5th April 2024

Excellent finance company.

Excellent finance company. They deal with enquiries quickly & expertly, highly recommend. Reviewed on: 5th April 2024

Loan application was simple, straightforward and short.

Loan application was simple, straightforward and short. Reviewed on: 5th April 2024

Great help, easy to use and super fast service

I needed to consolidate some bills and the Zopa calculator on their site was great in showing me what I could afford, how much I would save, and what period to take the loan over. Very quick and easy, and the money was in my bank the same day! Reviewed on: 4th April 2024

There for you when others may not be

The process was easy to get my loan and the app is just the icing on the cake. I can see my remaining balance, can link my other accounts and get a real true view of my financial position. At the time I took out my loan it was the back end of Covid and everyone was struggling and I was turned down by a number of lenders but Zopa was there for me when others weren’t and really helped me in a tough situation. Reviewed on: 4th April 2024

Required a loan for a bathroom refurbishment and it...

Required a loan for a bathroom refurbishment and it was authorised in a matter of hourd Reviewed on: 4th April 2024

This is how all loans should be work! Game-changer!

Never have I had such a straightforward experience with sourcing personal finance than with Zopa. Their app is so easy to navigate and there are explanations for all the jargon terms so you know exactly what you are borrowing. All of the information is so easy to access that I feel in control at all times and can make responsible financial decisions when I need to, without fear of hidden charges and fees. I had previously avoided any kind of personal loans because I was terrified of somehow getting into large insurmountable debts, but Zopa helps me to know exactly what I’m paying, when I’m paying it, and I can even make early repayments without being penalised. I would not consider another lender in future. Reviewed on: 3rd April 2024

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