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Zopa: Personal Loan reviews

Name: Personal Loan
Rating: 4.94 (62775 reviews)

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4.94

Based on 62,775 reviews, last reviewed 26th Feb 2025

167500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent Brilliant, the questions were easy and simple. Very user friendly and super fast! Reviewed on: 26th February 2025

Latest lowest rating:

2

I like it and i am honorable I like it and i am honorable i will keep in touch Reviewed on: 17th January 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.

Zopa Personal Loan reviews (62775)

Review of the Zopa, Personal Loan:

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

Fast & efficient service

Fast & efficient service, always keep you informed, their app is very user friendly & very informative Reviewed on: 18th January 2025

I have always found zopa very good at providing loan...

I have always found zopa very good at providing loans and they are very reliable. Very easy to apply for loans and quick at sorting everything out .Never had any issues and they are also very easy to pay don't even miss payments going out of my bank account as was able to pick my direct debit date to coincide with my income payment date . Reviewed on: 18th January 2025

Absolutely no hassle

Absolutely no hassle loans, all very clear and straightforward. And that on top of a clear Ui/Ux! Reviewed on: 18th January 2025

Quick to deal with and no hassle

Applied one night after looking at cars ,just before I went to go and negotiate a deal with the car dealer about a car finance loan. my money was in the bank at a lower rate than the car dealer could offer . Reviewed on: 18th January 2025

Very good lander safe.

Very good lander safe. And responsible, I would recommend to any good friends Reviewed on: 18th January 2025

Extremely easy and straightforward application.

Extremely easy and straightforward application. Immediate decision and the money was in my account in less than an hour. Would definitely recommend and / or would use again. Following completion of the loan I haven’t been bombarded with emails and messages as with some other companies which again would be a major factor in going back to Zopa in the future. I also found their rates very favourable. Reviewed on: 17th January 2025

Zopa are the best!

I have had two loans with Zopa and have found the loans affordable and easy to move if needed. I had Covid and had issues trying to pay one months instalment so I contacted Zopa’s customer service who were very polite, friendly and went over and above to help me out. I was offered a payment break for three months but continued my payments after a month. That really helped me out a lot and I was very grateful for their help. I have always suggested Zopa to any of my friends or work associates if they have ever required a loan and will do to this day. Zopa are the best in my eyes! Thank you Zopa! Reviewed on: 17th January 2025

quick efficient and carefree service

It has been quick efficient and carefree. I love that there’s no messing about. Reviewed on: 17th January 2025

Zopa products and services are brilliant.

Zopa products and services are brilliant. The online tools are so easy to use. Highly recommended! Thank you Reviewed on: 17th January 2025

Simple to arrange large range of paymen options ava...

Simple to arrange large range of payment options available excellent rates very competitive helpful, professional staff. Excellent pain free experience from start to finish Zopa come highly recommend. Reviewed on: 17th January 2025

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