Zopa Reviews: Pros, Cons, Are They Legit (2025)

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You are given a choice more quickly and readily by Only a waste of time. I was apparently pre accepted at score with chance of getting the loan, therefore thought it'd be a simple procedure, it became cumbersome and slow and not perfect when you have made plans. I'd requests for bank announcement that was provided to them immediately, then 3 days later an additional 2 months. I have in no way anything to hide but was no way waiting another two or three days for them to process those records, or perhaps ask for more info, and then a further 3 to 5 times (best case) to get the money in my bank. Went on my bank's website loan approved and money at a comparable rate.

Very fast & effortless loan program. I received a much better rate (by far) than my bank even though I've banked together for 30 decades and have a 999 Experian credit score. The website is simple to use, the loan was transferred to my account and that I can logon to my account and make obligations, see loan management actions and the outstanding balance. One criticism is that it is not easy to modify from. A minor problem though.

I have to say Zopa were fantastic if I applied for a loan that they asked exactly what the loan was for, asked for my bank information and within 24 hours my loan was approved then 72 hours after the cash was in my account, so don't hesitate in applying for financing with Zopa you will not be disappointed, the ideal loan company I have ever dealt with. Thankyou so much.

Nice program process and an overall excellent experience. The advisor was great and that I was able to select my car rather than being forced to purchase in their own stock. They have sensible purchasing criteria which is not too restrictive and everything about the purchase was better than I'd anticipated after almost purchasing through another firm that is similar.

We have had several loans via Zopa. Each one was quick and simple to organize and all were competitively rated. We generally pay them off early if we can, and love the fact are no penalties for doing this, like we have had with other creditors. I can't recommend them enough. I am sure we will return again if we ever need another loan.

This is the next Zopa loan I have had and it is such an effortless process from start to finish. They are thorough explaining the benefits and pitfalls of the getting in debt and keep you up to date, just make certain that you keep up your payments and everything will be dandy and fine. I recommend Zopa for all your loan needs.

This is my second loan with Zopa and both times the journey has been professional with excellent prices and fast. The agent who talked to me personally to clarify a few points was agreeable and considerate to take care of. The funds arrived in my bank account. An all round experience and I would certainly recommend them.

Only problem wasDue to the date my bank announcement was produced it was always too late I. e not within 4/5 months showing my earnings. This generated an unnecessary delay. The underwriters responded and were quite helpful. So this rule ceased a 3/4 afternoon delay, as established me rating a 5 star. Overall thank you

Amazing company. Really easy to apply, cash transfered quickly. The website is simple and clear. I managed to repay my loan and saved on the low cost of the loan. I have had many personal loans during my life and this firm is by a mile the best. Highly recommended and I know where I will be going for a loan later on.

Extremely easy way to catch some extra funds, without the annoyance of early redemption penalties of other loans. Spend some amount that is outstanding off faster if your circumstances permit without fear of being penalised. Lending decision was fast! I will highly recommend Zopa.

Such a procedure to apply for a loan from this contemporary business that excels with ease and clean designed website/app. Best rates for loans compared to banks & a number of other organisations. Give it a go and let your dreams become reality! I'm so happy with Zopa.

Zopa gave me the rate of borrowing which I could find to finance another car. Management that is online is so simple and site is a charge to the provider. I've had loans now, and advise all friends and relations to use Zopa as a first choice.

I have had couple of loans off Zopa after one was paid off I waited months and got another, the rates are best on Market they are very accommodating mid need to modify dates or repayment and customer service is second to none. Top marks

The Entire experience was painless and smooth, had a answer within a day and everything was explained clearly and Completely, Everybody was Really helpful and the process could not have been Simpler, would recommend to anyone

Easy, clear, uncomplicated application and competitive interest rate. The cash was in my account in minutes and the payment schedule has extras or no items. Really pleased; much better deal than with my own bank of 25 decades!

I have used Zopa on several occasions-the website is easy to use and clear once you have an account of outstanding balance and previous 24, to understand. Zopa offers the best APR on the market with helpful and friendly staff.

Fantastic service - easy to use, quick and no fuss. Particularly liked the app - made tracking the balance on my loan really straightforward. Didn't get bombarded with emails from the corporation. Recommend Zopa to anybody!

The application procedure was simple. And successful! I managed to borrow the sum I hoped for, with monthly payments that I could afford. The loan money was safely within a couple of days of employing - no complaints !

Very happy with the customer support, admin team that is professional and curtious. Fantastic people skills which makes coping with zopa a hassle free relationship from begin to finish. As a result of the zopa team.

Quite pleased with the efficient service from zopa.com. Speedy approval procedure and capital cleared and received within a couple of days as well as competitive rates in comparison to other mainstream lenders

Lately took a Loan out with ZOPA.

I have been very pleased with zopa and they have helped me with my own credit ratings. I have never had any problems and could reccomend them to antone Searching for a different kind of loan Thanks zopa

Loan company. Everything is easy and straight forward. Responsive to communicating. No problems paying off balance early. No commission for this. Rate this company and would use their services!

Fantastic loan. I took out financing with this provider instead of going with the automobile garage. Major saving in interest and a simple website to use and easy to make early repayments etc..

Zopa were very good with my personal loan,the only down side was caused by me because I am not tech savvy I had problem sending statements through apart from that they were very prompt and fast.

Zopa has been great. Clear and succinct fees and about their rates. Gives a good idea on whether you'll be approved at a particular apr.. Simple repayment schedule and simple to use website.

I found this ceremony straightforward and my loan has been put up with minimal fuss. The business communications delivered with great humour and have been just what's necessary. Recommended.

Great service and fast with an instant decision. Very interest rate enabled me to combine all my outgoings into a sum that was little, saving me a lot each month. Highly recommend zopa.com

Zopa made everything so simple yet took time to review the petition and process the financing. At every point, there was guidelines that are clear and valid explanation. A great service.

Absolutely brilliant. Low prices. No fees for premature payments and you can pay as much and as many times as you want aside of your direct debit Definitely use zopa.com again. A*****

The process of applying for a loan was effortless from begin to finish. Clear and concise directions, progress updates and an easy to get and simple to follow account. Thank you.

I'm very very pleased. Zopa helped me a lot to make my dreams there are low payments loan and My bank refused to give me The move and zopa.com came to the rescue Thank you ZOPA

Have an account with this Business, Desired up a little top, no Difficulty at all, so quick, very good Support,recommend to any one, just easy simple process,thanks Zopa,

Excellent support. First class communication during the approval process along with a decision, A very straight forward application provided in a very timely way. Well done.

The support that ZOPA provide was 100% Applying to get a load was simple, after they check your worth the loan is approved and money on your account . I would recommend them.

Couldn't be more easy, banks offered speed on search engines to me, but was distinct in the banks. Wouldn't use bank loans provided zopa keep the rates at a similar rate.

Downloading a Few of the documents needed was tricky Zopa kept me updated as to what the next steps were and what I was missing,my application was processed quickly

Provided the loan at the rate originally quoted that was the most affordable available. Process took but was worth the wait and no real hassle. Would highly recommend.

Brilliant company, have been equipped to repay before my loan term stopped and able to receive 3 loans to help me out. Speedy answer, speedy service and supportive.

The approval took a day or two longer than they promised, but other than that everything went alright. The interest on the loan was half what my bank could offer.

Soft search easy procedure and the app seems great. Simple to alter DD date too. Is that the 3 times to find the money. Overall great impression so far though.

Very helpful finance bureau. One named individual manages your program begin to finish. Would certainly use again would recommend to other people and if needed

My circumstances are less than 100% straightforward but Zopa took the opportunity to ask questions and understand. They have a business model that is fantastic.

Easy to use program which keeps you on course and you may use it to make additional payments. The procedure to have the loan was straightforward and effortless.

Filled app in online. Conclusion was made and cash obtained within 48 hrs. Would recommend to other people,and could use again. Thanks zopa.com for helping me

Tremendously straight forward and simple, loan agreed in no time, money obtained unbelievably and the program is simple to keep your eye on things. Well done.

Brilliant, my bank in Which all my family bank and I have Stopped my 25 year mortgage, paying wouldn't give me the loan that Zopa agreed in 10 minutes

Very process made easier by the fact and the pre-acceptance the service has been used by me . Rates and everything done with no telephone call that's great.

So easy to navigate and straight forward. A company that knows how to curate an internet experience. Speedy and efficient with levels of data and contact.