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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

48% 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)

Definitely the best company to deal with :-)

I'd not had a loan for years and applied through Zopa! It was very easy and they didn't need to know my family history or my inside leg measurements to approve my loan! I would definitely recommend them!! Reviewed on: 30th May 2017

Excellent product

Quick and simple, only took 10mins and I can't believe their interest rates!! Beat most if not all high street interest rates and was accepted even though credit score isn't excellent. Reviewed on: 30th May 2017

Very happy

Great rates is the main thing but also great to be able to track the loan repayment online and offers of additional offers later for subsequent loans Reviewed on: 30th May 2017

Very easy process

Really easy process to apply with Zopa. All our communication happened online & via email, which is my preference. Their website includes a very clear break down of the repayment schedule, how much is fees, etc. I changed my repayment date to the best date for my finances, just by clicking in the relevant tab on the website. All this and by far the lowest APR from the many quotes I got! Definitely recommended. Reviewed on: 30th May 2017

No hassle lender

I would recommend zopa to anyone , great rates and above all a " No hassle lender " no more words are needed. Reviewed on: 30th May 2017

Quick, efficient and hassle free service

Quick, efficient and hassle free service Reviewed on: 30th May 2017

Quick, simple & professional

Perfect communication throughout, giving comfort and confidence you were dealing with a professional organisation and not a dodgy internet loan provider. Quick decision with funds available exactly when expected. Has saved me considerable worry and stress. Reviewed on: 30th May 2017

Great Service and Product

Applied for a Zopa loan to refinance 2 existing loans which were with a high street bank. Zopa's process was quick, easy and the staff were very helpful and professional. I got a good rate which was half of what I was already paying and will save me in excess of £5000. Great service and would recommend to anyone Reviewed on: 30th May 2017

Excellent

Very quick and easy online process. Excellent interest rates and as I was told the money was in my account within 3 working days. Definitely would use again and recommend to anyone. Reviewed on: 30th May 2017

Fast, practical, simple.

Completing the loan application was very simple. A decision was made quickly. The loan was received without delay. Reviewed on: 30th May 2017

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