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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)

So easy

The application process is simple. Once I had the loan it was easy to keep track of how much I owed on-line and when I wanted to consolidate other finance it was simple to increase my loan. Interest rates are also competitive. Reviewed on: 30th May 2017

Super Quick and Easy!

This was my first loan and, being fairly young, I have a lack of credit history which meant even though my score was 'good' I was still get ridiculous interest rates from my bank. I used money-supermarket to see if there were any other options which is how I found Zopa. Initially, I was a bit wary after hearing horror stories about companies like Wonga.com etc. but the website was so informative that my worries quickly disappeared. I was approved and paid the extra to have the next day service so I applied for the loan by 10am Thursday and had the money in my account within about 28 hours. Overall, I was extremely happy! Reviewed on: 30th May 2017

Very easy very quick

Very easy to apply for the loan and very quick when I was accepted Reviewed on: 30th May 2017

Best loan ever

Fast friendly experience easy form start to finish Reviewed on: 30th May 2017

show me the money...

I had never taken a loan before so discussed it over the phone with a member of the customer service team. they were so helpful and put me on the right track of clearing me of debt! you're reading this thinking this sounds like a corny add , but I'm now on my way to a brilliant financial situation! this year I become a home owner! fingers crossed! Reviewed on: 30th May 2017

Quick and easy

Great company so quick and easy and much cheaper than the loan I was refinancing Reviewed on: 30th May 2017

Fast easy application

Was very impressed how fast and easy the application was, the money was in my account within a few days and the online login makes everything really clear and easy to keep track of! Reviewed on: 30th May 2017

Reasonable and Responsible Lending.

I borrowed a small sum of money to make some much needed home improvements. When I looked at lenders on the High Street I was surprised to learn that it was more expensive to take out a relatively small loan and the banks encouraged me to borrow more money than I required in order to get more attractive interest rates and lower monthly repayments. Then I stumbled across Zopo who seemed to be too good to be true. I was able to borrow what I needed with a low monthly interest rate over a duration of time that suited my circumstances. It was hassle free to apply and the money was in the bank within 48hrs. I couldn't be happier with Zopa I would definitely recommend them to my friends and family. Reviewed on: 30th May 2017

No banks, No messin!

I've had 3 loans with Zopa now and all of them have been fast and hassle free. If your credits good, you're sorted! Reviewed on: 30th May 2017

Simple, professional, a pleasure to use

One of the easiest loan applications I have used. A+++++++++ Reviewed on: 30th May 2017

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