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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

46% 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)

Zopa is a good place to go for personal loans

Zopa, gave me a good rate for a personal loan. Always keep me updated on monthly statements. Have had no reason to contact customer services. Reviewed on: 17th January 2024

Excellent company.

Excellent company. I needed some funds on emergency basis. Whole application process was very smooth and rates offered were the best amongst all other companies.Funds were transferred within minutes in my account. Customer is second to none too. Reviewed on: 16th January 2024

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

Super Easy Money Management

Zopa has created a super easy way to manage my loan. All of the details of the loan are clear and simply laid out on the app and I'm able to see the impact over payments can make and what I would pay if I closed the loan at any point in time. This is the second loan I have had with Zopa and I find thier interest rates very competitive and the application process is exceedingly straightforward. Reviewed on: 15th January 2024

I love your Zopa Bank Customer Service

I love your Zopa Bank Customer Service Reviewed on: 15th January 2024

Excellent service very quick decision money in acco...

Excellent service very quick decision money in account quickly just what l expect from a service Reviewed on: 15th January 2024

Hassle free and very quick response

Hassle free and very quick response Reviewed on: 15th January 2024

I've been using Zopa for 5 years now, always excepti...

I've been using Zopa for 5 years now, always exceptional value and so easy to deal with. Would highly recommend! Reviewed on: 15th January 2024

No complaints whatsoever.

Efficient and competitive. Did not have any problems taking out a personal loan - and no problems since. Reviewed on: 15th January 2024

Excellant service

Quick efficient, easy to apply, great app. Reviewed on: 14th January 2024

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