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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65243 reviews)

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4.94

Based on 65,243 reviews, last reviewed 12th May 2025

41% decrease in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Had a loan. Had a loan. Good rate and great app Reviewed on: 12th May 2025

Latest lowest rating:

1

Poor customer service Paid off my loan early well over a month ago. Still showing as a debt on my credit report. Inaccurate payment details shown on credit report too. Made... Read more Reviewed on: 4th May 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.

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Zopa Personal loan reviews (65243)

Good, affordable debt is healthy

Had several loans over the past 15 years and found the rates very competitive and customer service second to none. Currently have 2 loans and am a firm believer that good, healthy, affordable debt is positive so will continue to use Zopa in the future for purchases. Reviewed on: 7th April 2024

Zopa, excellent for all my financial needs .

Fast easy answer and processing request. Easy to follow and control on the app. I also have a credit card with Zopa with a limit which allows me to control spending without the need for multiple short term loans. Reviewed on: 6th April 2024

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

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