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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)

Quick and convenient

From application through to issue of funds and issuing of statements, everything was quick and efficient. I would definitely recommend Zopa! Reviewed on: 30th May 2017

Great, speedy service

In comparison to other lenders that I looked at, Zopa came across as much more transparent and didn't hike up the APR rate as soon as you submitted your details like others do. The process was straightforward and it was clear what I was signing up to. Customer service was quick and the operator was friendly and helpful, and the money arrived quickly into my account so that I could buy my new car quickly when needed. Thanks so much for providing a great service and standing out from the rest of the market! Reviewed on: 30th May 2017

Hassle-free and friendly

From the moment I decided to take out a Zopa loan, I've had no problems whatsoever. The payment plans are simple and user friendly, the information given is in depth and comprehensive, and the money was in my account within a very short time. I would definitely recommend using Zopa as a top-class, professional loan company. Reviewed on: 30th May 2017

efficient and very prompt.

I already had a Zopa loan but needed to replace the family car. I found it very easy to arrange to borrow enough to clear the original loan and get the car my wife really wanted. We found it very straightforward and it really wasn't long before the money was in our account, and it was a very simple transition from one loan to the next. Reviewed on: 30th May 2017

Always Know Where You Stand

Loan was very simple & money in with no issues but what I like is that you can always see where you stand. Even showing you your settlement or what difference to your payments paying a bigger payment would make. No having to call to get a settlement that will then be sent in the post. Great company. Would use again. Reviewed on: 30th May 2017

Super easy to use!

Very easy to apply and access the online dashboard to manage repayments, wouldn't go anywhere else Reviewed on: 30th May 2017

Simple and quick personal loan

When looking for a personal loan online you often see the promotional rates to draw you in but very rarely get them. With Zopa the advertised rate was the rate I received and the fact that the whole application could be completed online, including identity and income confirmation , made the process incredibly easy. The whole process to 3 days to complete and the money was in my bank 2 days later. I have already told friends about Zopa and have no hesitation in recommending their service. Reviewed on: 30th May 2017

Accessible, affordable and straightforward

Zopa made getting my loan an easy and straightforward affair. Everything explained in plain English and very good communications. I can't fault their products or their service. I wouldn't hesitate to recommend them. Reviewed on: 30th May 2017

Everything you need

Great interest rates, simple application and easy payments. What else do you need? Reviewed on: 30th May 2017

Easy!!

Great communication and very efficient. Will definitely recommend and use again if needed Reviewed on: 30th May 2017

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