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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

25% decrease 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)

App easy to use and service .

App easy to use and service . Great rates for both loans and savings. Reviewed on: 29th February 2024

Couldn’t ask for a better loan company

Quick service, up front information, non judgemental of circumstances Reviewed on: 29th February 2024

Zopa, The Best for financial needs.

When searching for a personal loan Zopa came out on top for me in every department. Great communication, everything explained to me that made perfect sense to someone going into this totally blind. Reviewed on: 29th February 2024

Excellent quick straight forward and hassle free.

Excellent quick straight forward and hassle free. No waiting times like other banks money paid start into your account. Plus you are able to see before hand whether you will be accepted or not without effecting your credit score. Highly recommend. Reviewed on: 29th February 2024

Zopa makes it easy

I'm always checking my borrowing power on Zopa app. Refinanced an existing loan for less pcm with a little spare, whole process was very easy and sorted super quick. Reviewed on: 29th February 2024

I don't know, let's try, it might be useful to...

I don't know, let's try, it might be useful to try Reviewed on: 29th February 2024

Excellent customer service Flexible payments

Excellent customer service Flexible payments Reviewed on: 24th February 2024

HIGHLY RECOMMENDED

Applied for a new loan at lower interest rate, lovely agent called to ask a few questions and the money was transferred to my bank account within the hour. They treat you as a PERSON not a NUMBER cannot fault this exceptional company. HIGHLY RECOMMENDED Reviewed on: 24th February 2024

Zopa helped me to build my credit score.

I applied a personal loan from Zopa for a new car. Their response was swift and efficient, and I received the bank transfer within half an hour. In addition, as an immigrant, it was hard for me to start to build my credit score. Zopa gave me my first credit card in the U.K. and that’s how I start building a healthy score. I truly appreciate the help from Zopa in these years. Reviewed on: 23rd February 2024

I have had multiple loans with zopa.

I have had multiple loans with zopa. They are professional, helpful and easy to use. Customer support is outstanding and I would highly recommend them to anyone looking for a personal loan. Great service all round Reviewed on: 19th February 2024

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