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Zopa: Personal loan reviews

Name: Personal loan
Rating: 4.94 (65247 reviews)

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4.94

Based on 65,247 reviews, last reviewed 13th Jun 2025

45% decrease in 5 star reviews

in the past 90 days

33% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Honest company, rare! The loan details are clear and precise the interest rate was excellent. Changing payment dates has been simple without any forfeit. Just appear to be ... Read more Reviewed on: 13th June 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 (65247)

Internal Credit ratings give you a realistic idea of...

Internal Credit ratings give you a realistic idea of amount and rates. Reviewed on: 13th March 2024

Need it, apply, received it.

Save my life, made my day, three steps approval, same day money, great experience, returned customer, amazing emphatic customers service. Outstanding customers service. ❤️ Reviewed on: 13th March 2024

Excellent product and service.

Application was quick and easy, with funds delivered same day. Repayment is flexible with term time and the added benefit of making early repayments which can help reduce the amount of interest paid overall. Reviewed on: 13th March 2024

Zopa is number 1 for lending

I've had a few loans over the years and they have been great value in terms of low APR. It give me alot of confidence of easy repayments and affordability and the staff so easy to deal with! Reviewed on: 13th March 2024

Financial Ombudsman

I have 2 outstanding complaints with the Financial ombudsman and already had a previous complaint upheld by them. Zopa are a nightmare. Reviewed on: 13th March 2024

Couldn't have been easier!

Couldn't have been easier - quick, efficient and professional, with excellent customer service and communication. Reviewed on: 13th March 2024

Very easy to deal with..

Very easy to deal with, received the funds quickly and there is a great app. Reviewed on: 12th March 2024

Excellent Customer Service

Zopa have always explained everything. clearly, throughout your loan period they give you extra support Reviewed on: 12th March 2024

Only fault I have ,, is not being able to upgrade lo...

Only fault I have ,, is not being able to upgrade loan until loan is paid off Reviewed on: 11th March 2024

Sooo easy to set up

I found the experience very easy to carry out, because I’m dyslexic I was dreading having to sort a loan out Reviewed on: 11th March 2024

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