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Zopa: Personal Loan reviews

Name: Personal Loan
Rating: 4.94 (62749 reviews)

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4.94

Based on 62,749 reviews, last reviewed 29th Jan 2025

32860% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

User friendly, great interest rates User friendly, great interest rates Reviewed on: 29th January 2025

Latest lowest rating:

2

I like it and i am honorable I like it and i am honorable i will keep in touch Reviewed on: 17th January 2025

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About this product

Zopa personal loan reviews on Smart Money People are honest reviews. If you're trying to determine whether this is the right personal loan for you, reading our Zopa personal loan reviews can help you to find out what other people have to say. Smart Money People launched in October 2014 to help people like you to find the best personal loans. If you have used a Zopa personal loan, we'd love you to write a quick review too.

Zopa Personal Loan reviews (62749)

Review of the Zopa, Personal Loan:

Utterly incompetant

Thanks for your review! Zopa Add photo Your review is pending.Read more Hayley Capel 3 reviews GB Utterly incompetant! Zopa advised me I was preapproved for a £7500 consolidation loan. I wasn't looking for a loan but it was offered and after some consideration thought, yes ok I'll go for it, reduce some interest/payments and free up some cash. They needed to confirm my income so I gave them access to my bank account, added payment details signed the forms etc. This was Saturday afternoon, by Sunday morning I recieved an email from them telling me they were unable to confirm my income ?!?!?!? I get paid every month, the same as everyone else into the bank account I gave them access to. OK, fine I thought I'll upload a payslip.....dated in the last 5 weeks and showing that I actually earn £1000 more per annum than I have added to the application. By the next morning....guess what......another email telling me they unable to confirm my income ?!?!?! It's a pdf payslip in the format they asked for but apparently that was still insufficient. I call them and speak to the most nonchalant and unaffected customer service representative who when I explain I am concerned my application may be declined because there seems to be an issue with the documentation I keep trying to upload. She goes off and approximately 3 minutes later comes back and tells me I should ignore the email. Guess what?! Today I get an email from them telling me they have declined the application I submitted for the loan THEY OFFERED me! I am raging! My borrowing power is 6, its a consolidation loan that they OFFERED TO ME not that I applied for or was even considering and they have declined me based on my affordability and income? I now have a hard search on my file which I only agreed to because the loan was 'preapproved' and no loan! They did this to my Husband aswell! If you are going to do this then at least change the wording 'preapproved dependant on circumstances' so at least consumers have the full facts before falling into a honey trap! I have a credit card with them which I will be paying off as soon as possible and closing the account as I refuse to do business with a bunch of incompetent clowns such as zopa! Absolutely disgusting! Reviewed on: 16th January 2024

Good customer service

Good customer service and give a quick decision. Reviewed on: 20th January 2025

very user friendly process to apply for a loan

very user friendly process to apply for a loan Reviewed on: 20th January 2025

Very easy to use and an excellent service.

Very easy to use and an excellent service. Reviewed on: 20th January 2025

Smooth operators

Easy application, good communication. Reviewed on: 20th January 2025

Application process was simple an straightforward c...

Application process was simple an straightforward customer service was spot on plus the app makes managing things realy easy Reviewed on: 20th January 2025

Very happy repeat customer

I have used Zopa for personal loans and have always received a hassle free, straight forward service. Highly recommended Reviewed on: 19th January 2025

My wonder card.

My experience with Zopa has been absolutely amazing . I applied for a personal loan and was so surprised at the speed and acceptance of my application. I am so happy and have already forwarded on promotional emails to family and friends. So thankfull for having the comfort of knowing I have this card in my purse. Reviewed on: 19th January 2025

Straightforward and no fuss

Everything has been well explained and the processes have been clear. The apps and online information is easily accessible. Reviewed on: 19th January 2025

I received a loan in a few minutes without leaving...

I received a loan in a few minutes without leaving home Reviewed on: 19th January 2025

So easy to use and navigate.

So easy to use and navigate. Able to do it all from my phone without the need of jumping through endless hoops. Just a great service all around! I would thoroughly recommend zopa for anyone looking to get a loan. Reviewed on: 19th January 2025

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