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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.91 (69090 reviews)

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4.91

Based on 69,090 reviews, last reviewed 13th 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:

4

Found Zopa to be good value for money a few years back. Found Zopa to be good value for money a few years back. But now the rates are not as competitive Reviewed on: 13th 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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Zopa Personal loan reviews (69090)

Quick easy fast fuss free

Quick easy fast fuss free. Good communication, great service absolutely second to none. Don’t hesitate in using this company. Not has had a single regret or bad moment using Reviewed on: 4th March 2024

Quick and easy application and the money was in my a...

Quick and easy application and the money was in my account within hours. The app makes it easy to manage your loan too. When speaking to the company on the telephone, you aren’t waiting for too long or left on hold. Reviewed on: 4th March 2024

Very flexible and uncomplicated.

Very flexible and uncomplicated. Ideal for me. Can make overpayments at any time and reduce the repayments/interest. Can change the date of payments in the month. App works well and its always worked well for me. Reviewed on: 4th March 2024

I have used Zopa several times.

I have used Zopa several times. Just excellent fair financial products on offer from this company. The app is easy to use and you can access your account 24/7. Reviewed on: 4th March 2024

My second loan with them and second time no disappoi...

My second loan with them and second time no disappointment. Everything clear and easy to manage. Reviewed on: 4th March 2024

Swift, easy procedure, a breeze.

Swift, easy procedure, a breeze. Online application was not complicated, decision short notice. A professional servise all around. Reviewed on: 4th March 2024

Efficient on line experience with no problem answeri...

Efficient on line experience with no problem answering the questions. Quick decision meant that financial decisions were not held up and I was able to put into place my financial plan for the following two years. Reviewed on: 4th March 2024

Really straightforward application.

Really straightforward application. The app is really easy to use. Great to be able to see your balance and payments at a glance too. Reviewed on: 4th March 2024

Efficient

Very efficient in answering queries and have always found any promises they have made have been kept. Reviewed on: 4th March 2024

Simple and quick application process.

Simple and quick application process. Money transferred promptly. App allows you to manage your account effectively. You can see how much you have left to pay. Regular messaging / emailing reminds you about payments. Reviewed on: 4th March 2024

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