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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)

Excellent service and easy to use ap

Excellent service and easy to use ap Reviewed on: 4th March 2024

Easy application.e

Easy application. Funds transferred speedily Reviewed on: 4th March 2024

Simple and smooth process

Very easy to adjust the parameters and get a quote, quick credit checking process and easy to follow all the paperwork and credit agreement easy to understand. Reviewed on: 4th March 2024

good reliable and informing throughout all stages

good reliable and informing throughout all stages Reviewed on: 4th March 2024

App is very easy to use.excellent

App is very easy to use. Good communication Reviewed on: 4th March 2024

Easy to manage through their app

I love the Zopa app first of all. It gives you your eligibility for various loan amounts and provides an instant comparison of rates depending on term and amount. Applying is straight forward, especially if you're pre approved. The rates start a bit high in my opinion, but you seem to get better rates once you've established your credit behaviours with them. Reviewed on: 4th March 2024

Zopa is reliable and trustworthy.

Zopa is reliable and open in that what you are offered is what you get. It was easy to set up my loans and they regularly let you know how much is still owed and when you will have paid off the full. The interest rate is good. Reviewed on: 4th March 2024

Very quick and easy application process, great servi...

Very quick and easy application process, great service from start to finish. And fast payout Reviewed on: 4th March 2024

No problem quick decision and the money was in the b...

No problem quick decision and the money was in the bank nearly right away from the decision very professional Reviewed on: 4th March 2024

I am very happy with the service from Zopa

I am very happy with the service from Zopa as well as the ease of use of their app and of anything that I want to change or do with my account. Reviewed on: 4th March 2024

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