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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

34% 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)

Unclear criteria made me question Zopa

I'm on very decent income with just one small loan and no credit card use plus excellent credit score. Zopa kept rejecting me despite I have perfect record, keeps telling me to try again in 6 months (that happened for the second time recently and I have to explanation given as to why this is happening). I'm not coming back for a loan to Zopa, which is a shame because the p2p lending and excellent rates that compete with the big banks are great reasons to support Zopa's initiative. Reviewed on: 3rd January 2018

Quick, easy, great value

Customer for 18 months now and experience so far has been excellent. The application process was quick and easy and well explained. They keep you well informed and send out easy to understand communications to keep you informed. Reviewed on: 3rd January 2018

Quick lending at low rates

Zopa promptly and positively reviewed my application, and funds were available shortly after. Very good service. Reviewed on: 3rd January 2018

Great loan company

Fantastic rates, easy to set up direct debit for repayment, flexible with d/d date. Reviewed on: 3rd January 2018

Simple, easy and fair

Zopa offer great rates with zero fuss. I've used them on and off for a few years and will always recommend them. Reviewed on: 3rd January 2018

Great service!

Really straightforward, quick and easy to use. Would definitely recommend. Reviewed on: 3rd January 2018

Best lender ever. Period.

Zopa has got everything right as far as I can see. A different lending model to the big banks, an opportunity for small lenders to 'crowdfund' loans, and an online application process that's quick, easy, and works. Reviewed on: 3rd January 2018

Transparent and efficient

The Zopa process is great from start to finish, everything you need is visible at every step of the application. Once you have the loan making extra payments is far easier than any other loan I have ever had which is greatly beneficial in the long run. Reviewed on: 3rd January 2018

Simple & Straightforward.

Very quick & efficient service. Reviewed on: 3rd January 2018

Mint

Great team and made easy . Many thanks. And I have recommended zopa to others Reviewed on: 3rd January 2018

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