Zopa

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Company Information

  • Company Name:
    Zopa
  • Website Address:
  • Business address:
    6th Floor, 90 Fetter Lane, London. EC4A 1EN
  • Phone number:
    020 7580 6060

Zopa (Zopa.com) is one of the UK’s most trusted and popular peer to peer lenders, offering its customers low rates and high quality customer service. Peer to peer lending allows lenders and borrowers to be matched together to create the best fit for each party, and this more efficient method of lending leads to lower rates for the borrower. Zopa’s lending and borrowing service has earned the company a range of awards, including the Moneywise award for “most trusted loan provider” from 2010 to 2014.

Zopa offers a range of unsecured personal loans for a variety of purposes. Customers can use the loan to pay off and consolidate their debt, make improvements on their home, buy a car or make any purchase they like, but business loans are only available for sole traders on Zopa. The interest rates on loans from Zopa will depend on your personal financial situation, credit history and the amount you need to borrow, but you can use Zopa’s loan calculator online to find out what sort of rate you can expect on your loan.

Customers can borrow anywhere from £1,000 to £25,000, and the flexible repayment plans allow you to repay over two, three, four or five years, depending on your budget and circumstances. Once you’re offered a rate it will be fixed for the full term of your loan, so you’ll be able to budget clearly. Customers can also make early repayments at any stage of their loan term with no extra fees.

To qualify for a personal loan from Zopa, you must be at least 20 years old, a current UK resident and have an income of at least £12,000 per year. You will also have to prove your identity and have proof of three years address history in the UK. Customers must have a positive credit history and be able to afford the loan repayments.

256 Reviews of Zopa

I needed a personal loan of £7500 and was rather confused as to which bank I should apply with.

In the end and after some investigating, I settled for Zopa. My best friend had recommended them also , so that also played a part.

They gave me the loan, payable over 36 months and my repayments are less than £240 per month.

The overall interest that they charged be was a little over £500 and that included fees too.

I really can not complain and am grateful that they approved my application.

I think that they are strict with how much you earn, but if you earn more than £12000 per year they are rather flexible.

Review posted by Beth Dienar

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Zopa was my choice , when I needed to borrow some cash, as I had read somewhere that they had received several awards.
This gave me the confidence to apply with them rather than with another financial institution.
The £3000 that I needed over 3 years was given to me with no sweat.
I am 24 years old and live with my parents.
My expenses are low and I earn good money, thus I think they granted me the loan so quickly.
I was pleased that the interest rate is fixed and that I can make early repayments.
I think they are a good choice.

Review posted by Sean Jansen

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Zopa were great when I wanted to borrow some money to take a diving trip with my five a side football team last year. They were superb and so flexible. I used the quick calculator online and it worked out my monthly repayments there and then and also told me what my interest rate would be immediately. I got a call the next day from an advisor to confirm all my personal details and was assured that my application had been accepted and the money was released within 10 working days. I was so impressed by the efficiency. Thanks to Zopa.

Review posted by Andy

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I am really looking forward to Christmas and the New Year thanks to the personal loan I have just taken out and it was all down to the efforts of Zopa that I have managed to get a loan that is perfect for me.

Loans that I have taken out in the past have sometimes proved to be more trouble than they were worth because I didn't get the right package and most of the time I was struggling with the repayments.

Thankfully that isn't going to be the case with this loan because Zopa have taken care to ensure that I have a loan with repayments that are well within my affordability but also I am borrowing the money at a very competitive rate which certainly hasn't been the case with previous loans.

My advice to anyone looking for a personal loan is don't rush in to it and if you are in doubt why not give Zopa a call and let them help you get the loan that is right for you.

Review posted by Neil W.

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Late last year my mother fell seriously ill. Her treatment and care during recovery drained most of my savings. I, therefore, could not meet my son's tuition fees. This left me with no option but to take a personal loan.

I wanted a loan whose repayment was flexible and APR low. A cousin introduced me to Zopa. I have to admit that I was apprehensive at first but after checking online reviews about it, I felt confident it was the right bank for me. It didn't disappoint. They were extremely efficient and simple. Their customer service was excellent too. I cannot remember any time they were either unfriendly or unhelpful towards me. The terms and conditions of the loan were all written in simple and straight forward language.

Within 24 hours of application, I was informed my application had been approved. I was particularly impressed by their low APR and provision for early repayment without paying any charges. After my mother healed, I had enough money to make the repayments at once. Unlike for other banks, I didn't have to pay any charges for early repayment. I definitely recommend Zopa to any person who wants cheap loans without any unnecessary delays.

Review posted by Morgan Craig

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I'd like to take this opportunity to say a huge thank you to Zopa for getting this personal loan for me. I had been trying for several weeks to research and find the best loan for me but every time I thought I had found the right lender something wasn't quite right and I had to start all over again.

Finding the time to spend looking online wasn't easy for me as I am a Ward Sister at a very busy hospital and when I finally get home at the end of a long working day I am usually far too tired. So after a final look at the loan comparison website I opted for Zopa and hoped they could achieve what I had so far failed to do and that was find the perfect loan for me. I really don't know why I didn't just go to Zopa straight away but I have learned my lesson and will know what to do the next time I need a loan.

Review posted by Marion K.

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Being trusted pays off. That's my reason to be with Zopa. Popular, Trustworthy and honored with awards as the most trusted loan provider in 4 successive years. It pays off for me too, I know. Another reason to be with Zopa.

The bare fact that millions of people have chosen Zopa as their loan provider was for me the most important reason to follow. Maybe that's like a sheep following the hurdle, but that's the way it usually goes, no matter what other people think.

Two years ago I consolidated my loans with the use of Zopa and I'm still happy about that decision which brought order and system back in my life. I don't worry anymore about what's the bank latest interest rate or if I'd paid another one in time.

Quality is what counts with Zopa and that's where I am too. Before applying, be sure to have a positive credit history, be a UK resident and earn enough.

Review posted by Boris Fairweather

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Go on the internet and find the right loan for you was the advice my parents gave me. Honestly, parents giving you advice is fine but they should have just said go on the internet and find a company who will find the right loan for you - subtle difference!

Fortunately I hadn't wasted too much time looking for the right loan before I came across Zopa. My parents obviously didn't realise that there were companies that will do the job for you. I can't wait to impart that little piece of information to them. But in the meantime I am just relieved that my little bit of effort has paid off big time with Zopa getting the perfect loan for me in hardly any time at all.

Review posted by Scarlet Jennings

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My best friend put me on to Zopa when I told her I was desperate to get a personal loan but didn't know where to go once I had been flatly refused by my bank! She had used Zopa to get her loan to buy her new car and she said they got her the best deal ever and she couldn't recommend them highly enough.

My friend is prone to exaggeration but she was right about Zopa. They have managed to get me a very competitive loan that isn't going to cost me a fortune in interest rates and that is what I was most concerned about. I would definitely say that Zopa are the people to go to for a loan if you are like me and don't have the skills to source the best deal yourself.

Review posted by Charlene Danbruck

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Zopa are most definitely the people to go to when you need a loan but don't have the time to be able to do enough research to make sure you are getting the best deal for yourself.

They obviously realise how difficult it can be for busy working people to find the time to put the effort into finding the right loan and they are filling what must have been a fairly big gap in the market. I hadn't come across anyone like them before and when I did find them I was more than a bit relieved.

I have no doubt that no matter how much research I did,I wouldn't have come up with a better deal than the one they have just arranged for me and I will certainly be recommending them to other people. That's the best endorsement I can give them.

Review posted by Marshall Dykes

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This is the first time I have used Zopa for a personal loan but I have been very impressed with the service I have received from them. Their online loan calculator was extremely accurate and I have been approved a loan that is almost identical to the online quote. I was a bit sceptical at first thinking that the loan calculator was just a way of attracting customers. But Zopa were able to back up my online quote with a very competitive loan that suits my requirements perfectly. My advice to anyone looking for a competitive personal loan would be "if in doubt, go to Zopa"!

Review posted by Desmond Kincain

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I needed help finding a suitable personal loan and my friends were wholly unqualified to help me in this matter. I resorted to my trusty internet and found the readies loan comparison website.

The was the first stage of my search dealt with. Now all I had to do was choose from the many lenders that were advertising on this website. They all seemed to be good in some ways but not so good for other things. Then I looked at what Zopa were offering and I realised the search was over.

Zopa took on my loan requirements and came up with a brilliant loan that was right for me and I didn't have to hesitate when they asked me to agree to the terms and conditions of the loan they had prepared for me.

When it comes to finding the right loan, you don't need good friends you just need some one like Zopa who are much more qualified for the job.

Review posted by Lauranne J.,

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I can't speak highly enough of Zopa and the fantastic loan they have just got for me. They have really managed to put together a loan package that meets all my requirements and to be honest I wasn't at all sure that it would be possible. So Zopa have seemingly made the impossible possible because I have everything I wanted with this loan and so it is only fair that I give them 9/10 for doing a great job. I would also recommend Zopa to any one looking for a tailor made loan. That would appear to be what Zopa specialise in and they have made my loan almost a perfect fit. It goes without saying that we would always want an even lower interest rate so no loan is ever going to be 100%

Review posted by Patrick T., Kilburn

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This is the best peer to peer lending institution in the UK, which has won numerous awards for its services such as the Most Trusted Loan Provider Moneywise Award for five consecutive years, since 2010. Zopa personal loans are for specific purposes, but all of them are unsecured. They have personal loans for buying cars, home improvement, and debt consolidation. If you are a sole trader in Zopa, you can apply for a business loan.

The Zopa representative rate is 4.8%, but according to the client’s personal financial condition, the amount and credit history, the rate will vary for different clients. To make this easy for everyone they have the Zopa Loan Calculator on their website, where you can find out the rate that apples to you. This rate will be fixed throughout your payment period. They can give loans from as low as £1,000 to as high as £25,000 to suit different clients. The payment period is between 2 to 5 years. In case you want to make a lump sum payment at any moment during your payment period, you do so without any extra fees.

Any 20 year old current UK resident is eligible to apply for this loan. You must be able to prove that you earn at least £12,000 per annum. You should also have a positive loan repayment history and your financial conditions should allow you to repay the loan comfortably. It is mandatory that you prove your physical address and your identity to be considered. These conditions though good for the lender, are not favourable to the client, because it will take long before getting the loan, hence not the best choice for a person in an emergency for cash.

Review posted by Eloise Parsons

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Zopa offer a very good service for busy people like me who need to get a competitive, affordable loan but don't have the time to research the countless loan companies that are available. Even the convenience of the internet proved not to be of much help to me because of all the distractions I have going on in my daily life as a department manager.

I was able to set aside my lunch hour one day and give Zopa all the requirements I had for my loan and they did the rest. Within a week I have my personal loan all sorted and I haven't had to compromise on any of the important factors such as a competitive, fixed interest rate and affordable monthly repayments.

Thanks to Zopa I can get on with doing my job to the best of my ability knowing that they have done the same in getting me this great loan.

Review posted by Caroline T., Dulwich

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I don't know why more people aren't using companies like Zopa when they are looking for a competitive loan that really suits their requirements.

When you are borrowing fairly large sums of money you shouldn't have to compromise on certain things and until I found out about Zopa I had fallen into that trap on a number of occasions because I just didn't have the time to check what loans there were available that were going to suit me best.

Now that I know all about Zopa I won't make that mistake again and whenever I hear of friends taking out loans I always tell them about Zopa but sometimes I'm too late with the advice and they've already committed themselves to something that really isn't the best that is available for them. Maybe, like me, they'll remember the name Zopa next time they want to get a tailor made loan.

Review posted by Dougie J., London

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The best advice I could give to any of my friends who were looking for the best and most suitable loan for themselves would be to use Zopa. they are one of the best discoveries I have made in recent years.

I hadn't known about them and the service they provide until I went on to readies loan comparison website and saw their name. I'm not sure what the name Zopa means or where it comes from but I do know what it stands for and that is a company that guarantees to find the best loan for each of their customers individual needs and not just treating every borrower the same.

It's a bit of a bespoke service they are giving and that is probably the best way to describe them.

Review posted by Clive Jackson

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I definitely think I made the right decision to go with Zopa when I was looking for a competitive loan. It wasn't just the' peer to peer' description of the loan service they were offering it was because they were the recipient of "most trusted loan provider" for several years in a row that appealed to me. When you are borrowing a large sum of money the word 'trust' is something you like to see on a company's website profile.

Trust works both ways and I trusted Zopa to find me a loan that was right for me and they repaid that trust with the best possible loan I could have got anywhere.

Review posted by Mark Connelly

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Zopa were a great find for me. I came across them on the Readies loan comparison website and decided to let them take care of finding me a suitable deal on a personal loan. I wasn't sure what they were offering exactly and how long it was going to take but because I wasn't in a great hurry to get the loan I thought I would leave it with them and see what they came back with.

They didn't take too long at all to find me a brilliant loan that met all my requirements and more. I got a really competitive rate and the monthly repayments were spot on for my affordability. So I won't be struggling with the repayments and I'm not paying over the odds for the amount I am borrowing. I am really happy with the outcome and I am so glad I found Zopa in the first place as they really have done me a big favour.

Review posted by Vanessa McDowd

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Thanks to Zopa getting a great deal on my personal loan I was in a much better position to get a great deal on the car I wanted to buy.

Having the cash up front meant I could negotiate a good price on the car and I knew I had to get a good deal on a personal loan so that I wasn't going to be overpaying on it and thus negating the savings on the purchase of my car.

To get a good deal on the loan and a good deal on the car would mean a win win situation for me and that is exactly what I have got thanks to Zopa.

Review posted by Laurence Moore

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Getting my loan with Zopa was a great way of ensuring that I ended up with the right deal for me and not just making do with a standard loan that I had to make too many compromises with.

Zopa have been voted most trusted loan provider and that's quite a thing to live up to. I decided I would put that to the test and it was worth it. I've got an ideal loan with no compromises as such and the biggest plus with this loan is that it comes with an unbelievably competitive APR that I never even thought I would be lucky enough to get.

Review posted by Alistair Drummond

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Why did I choose Zopa for my personal loan? Well the Moneywise award for 'most trusted loan provider' was the main reason. When you are dealing with money issues 'most trusted' are two words you like to see. The 'peer to peer' aspect just made sense to me. They were offering to put the right loan with the right person. That's all any one wants from a loan.

Taking on the responsibility of a loan for a large sum of money is a situation where trust is important. When I was looking through the loan comparison website I didn't see one other lender that referred to that all important trust factor. That is why I think Zopa is such a unique loan company and that is why I chose them.

Review posted by Ross F.

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Kept going back to Zopa on the loan comparison website because I wasn't exactly sure what service they were offering. Then my dad had a quick read of their profile and said they were a bit like a dating agency that matches people's personalities, likes and dislikes, before introducing them. I was a little bit worried that my dad knew anything about dating agencies but as my mum and him have been divorced for quite a while and I really would like him to find someone else I supposed it was a good thing.

Now back to my loan search. I got the gist of what he was saying and decided to give Zopa a go at matching me with my ideal loan and here we are two weeks later and I have just signed on the dotted line for my personal loan thanks to Zopa.

My dad's still single but I live in hope, after all my mum managed to find someone else and he's not half as cool as my dad.

Review posted by Barnaby Webster

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I hadn't heard of Zopa before researching loan options. Their business model intrigued me so I researched them further. They operate on a peer-to-peer basis, meaning that you are effectively lending from private investors rather than a bank. I thought this seemed like an ethically sound option, cutting out the fat-cats!

The process was fine and the website provided calculators to give me pay-back rates etc. I signed up and borrowed a modest sum over a period of 2 years. The rates are decent and the transaction was easy. I like that you can also lend your money, making a profit by lending to others. I imagine this could be a popular feature.

After taking the loan, I have noticed a fairly extensive advertising campaign for Zopa online. Perhaps just because I have been on their site. I assume this is because they are a fairly young company. I imagine that this makes it a good time to deal with them as they are building a reputation and expanding their client-base.

In all, a good experience that I would happily endorse.

Review posted by Lily Rowley

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I am a young man from Liverpool and love sports,going to pubs to have a good time and playing pool.
My missus does not like me going out with my mates all the time , so, the best to stop conflicts was to buy a pool table and have my mates come round rather.
It was well worth it, borrowing £1500 from Zopa.
They charge me such a fair interest rate with no extra charges, that I can easily afford to pay it off over 12 months.
The money I save on drinks at the pub pays the installments.
Zopa were rather swift in their approval of my application and also were quick at providing the necessary documents for me to sign. Not a bad institution to approach, I think.

Review posted by Marcus Boyle

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Living in the North of Scottland and being subject to horrific weather conditions, we like to take a few breaks during the year to visit warmer countries.

Normally its just my wife and I but this December we invited our daughter and son-in-law to join us on a trip to Portugal for 2 weeks.

We could have used our credit card but noticed that we would pay lower interest if we applied for a personal loan with Zopa and paid them off over 12 months.

The interest rate we would hardly feel and it is deducted automatically from our banking account for convienience.

Zopa was very good at explaining all this on their website when we applied on line at the recommendation of a friend.

It was the first time we borrowed and we are happy with the way they conducted the whole operation.

May use them again. Certainly pleased overall up to this point

Review posted by Steven Herbert

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My boss recommended Zopa to me and said they were really good at getting people personal loans that are right for them. I had a problem with a payday loan once and it put me off borrowing money for a long time.

Now I am earning a good salary and don't really need a loan but I can afford one which makes a whole lot of difference for me. I want to upgrade my car and the loan is just to make up the shortfall on what I get for my old one. It only had to be for a couple of thousand pounds at the most but I still wanted to make sure I was borrowing wisely and getting the best deal also.

Thats what I told Zopa and they said they would do what they could for me. I liked that they have been voted 'most trusted loan provider' and that made me feel a lot more confident that they would come up with the right loan for me. And I am writing this review to say they did!

Review posted by Ms R. Frampton

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One of the best things about going to Zopa for my personal loan was that I could give them all my loan requirements and all the information they required and then just leave it to them to come up with a suitable loan.

It was really as straightforward as that and as someone whose job barely gives them time to grab a sandwich which is generally eaten standing up while I run from one department to another, this type of loan service was the answer to my prayers.

Apart from that, Zopa also managed to come up with a practically tailor made loan that fulfilled all the criteria I had given them and they did it within less than a week. If only my departmental managers could perform that well it would make my job so much easier!

Review posted by Jenny Bartlett, Reigate

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I used the lending company Zopa to borrow £7500 to renovate my apartment.
I pay them over 60 months and find that the installment is an affordable one.
I compared a few lending institutions to try get the best deal possible an it comforted me to see that Zopa had won various awards as a trusted and reliable provider of finance.
This gave me the confidence to apply with them rather than with on of the others.
Also I read some good reviews and most people valued the fact that the payments were fixed, never fluctuating.
This was a plus as I like to know to the cent how much to budget for.
They have not dissapointed me and applying was easy.

Review posted by Frank Stweart

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If any of my friends asked me for advice about getting a convenient and affordable personal loan I would direct them to the Zopa website and tell them to get on with it. Like me, I think once they read what type of loan service Zopa are offering they would jump at the opportunity of handing over the task of finding a suitable loan to them. Unless you are asking Zopa to find a loan that simply doesn't exist, for example zero interest, Zopa will find you the best of the more realistic loans that are on offer. That's what Zopa have done for me and I couldn't be happier with it.

Review posted by Michael D'Souza

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I feel that Zopa run a very good operation, are reliable and offer some important deals.
One example which is different from most other lenders is that one can make early repayments with no fees attached as " punishment" at any time.
Such is normally associated with high fees as banks do NOT want you to pay early as they rely on the interest they charge you.
For this reason alone I went with Zopa, when I needed £6000 recently to fit in a new kitchen.
I was eligable for the loan as I earn a salary well above what they demand and do have good credit rating.
Zopa is one of the best choices around in my opinnion and worth the fact that they are a little stricter.

Review posted by Malcolm Beacon

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I like to believe that I have a good credit history and that this, coupled with the fact that I earn more than £17000 per year were the main reasons why Zopa approved my request for a £7000 loan last month.
I have heard that they hardly give out loans, knocking back many applications, so I was concerned that I would be wasting my time.
I really wanted to borrow from them and not another bank as they allow the clients to pay off over and above their installments when they want, which to me is a huge plus, cause I am an estate agent and if I sell an apartment or house, I am able to use the commission to pay more than the agreed amount.
Fortunately after reviewing my application they gave me the loan, which made me really happy.
I thank them for this and encourage other people not to be put off from trying Zopa if they need a loan.

Review posted by Thomas O´Neill

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These days we are really spoilt for choice when it come to who to go to for a loan, which can make deciding on who to choose rather difficult. When I first began my search on the internet, I was totally overwhelmed with the amount of choice I was presented with, and didn't even know where to begin. Thankfully, a friend told me about Zopa, and the positive experience they had had with the company. To be honest, I don't know if it is absolutely the very best deal I could have found, but if I wanted that, I would probably still be searching now! The customer service and ease of use make it worth paying for anyway, and their rates do seem very competitive in comparison with the market.

Review posted by Evelyn Turner

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I highly recommend this company. they really helped me and my husband when we had a few debts because of his family problems. Of course i had to help, me being married to him. He couldn't take out any more loans in his name, so I decided to choose Zopa to take out my personal loan. I am glad I chose this company. It is really the most trusted loan provider. They gave me full support and made me feel like a normal person after I explained my situation. Finally I could get a good nights rest in peace without having to stress or seeing my husband in the state he was. Thanks Zopa, you really helped us!

Review posted by Kristina Patel

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Zopa is just one of many lenders available to the British when they are in need of a loan.
They must, Im sure, have their good points and their bad points, as they run a business and their objective is to earn money from lending money.
However I do see that if I compare them to the others, some positive points stand out.
The most noticeable one being that they DO allow extra payments to be made at any stage without penalizing the client with extra charges.
Also another important point is that the interest rate that they give you is fixed, subject to no unwelcome surprises.
These 2 points were the ones that made my wife and I decide to borrow from them the £10 000 that we needed to pay for our daughters wedding ceremony.
The application process was simple enough and the money made available rather quickly too, so I give Zopa the thumbs up.

Review posted by Selwyn Miller

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I needed a loan to do some remodeling and I knew that going the traditional route through a bank would be nothing but complicated, and I wasn't sure my bank would lend to me (my credit is good but not great).
This was plain easy. I called the customer service line to make sure I was doing it right and they talked me through the entire application process. I was approved right away and got to pick my own loan from the options presented to me. The money was available the next morning.
I was overall pleased with this site for my loan. Good rates and easy system, no hassles really. Customer service was pretty good.

Review posted by Barry White

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I am very impressed by the speed of this service and how legitimate the process was. i filled out the form in 15 mins and got my loan within a few hours. i picked the lender myself out of the options given and i am very happy with the loan i chose.

This site does exactly what it says with no strings attached and no fuss. you fill out the form, you get a selection of lenders to choose from. it's all easy and your information stays protected. i picked a loan and got approved. so i really like this site.

I would really recommend this company to absolutely anyone. 100 times better than the bank!

Review posted by Ricky L

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Zopa really pulled out all the stops and found the best deal for me on this personal loan. I didn't have the time or energy to spend hours on the internet trying to find the right deal for me and that's why I think companies like Zopa are a great idea.

I have just recommended them to a work colleague and they agree that Zopa are definitely a great concept when it comes to finding a competitive loan that suits your personal requirements.

I would say Zopa should be everyone's first stop when they go online looking for a loan. Just don't start at the letter A and work through the alphabet. Go straight to Zopa and save yourself time and money.

Review posted by Ricky M

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All I neededa was a small loan just to get away for a week or so. I'd been working so hard and the break was needed.
Although I had a reasonable income and no debt other than my mortgage and my car, I didn't want to touch my savings and heeding advice I approached a company called ZOPA online and requested a personal loan of £3000. I asked to repay over 12 months as I don't want to owe for too long. The monthly instalment suited me fine and the loan was approved and the money transferred to my account soon thereafter.
I really enjoyed my break and would like to mention that ZOPA's efficiency was wonderful and I could really relax while abroad thanks to ZOPA.

Review posted by Marcus Willoughby

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  • Flexibility
  • Ease Of Use
  • Value For Money

My girlfriend found Zopa when she went online to look for a loan company for me. She got fed up trawling through all the various high street lenders and finally gave up and put the task of finding me a competitive personal loan in the hands of Zopa.

That's how I have ended up with such a good deal on my loan. It comes with a really great APR and a repayment period that means my monthly repayments are very affordable.

Now that my girlfriend has delegated that job to Zopa she can get back to doing her own job which is in recruitment, finding the perfect jobs for her clients.

Review posted by Tom W.

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  • Flexibility
  • Ease Of Use
  • Value For Money

I liked the idea of peer to peer lending because to me that means more choice. If you rely on an independent lender you are limiting your choice to what they have to offer. With Zopa that isn't the case as their ethos of peer to peer lending means when they are searching for the most competitive and convenient loan for me they have a whole range of lenders to choose from. That's why I went to Zopa instead of my bank who were really only offering me a one size fits all type of loan and that didn't suit me one little bit. Zopa came up with the perfect loan for me and with very little effort on my part. What more can you ask for from a personal loan?

Review posted by Gareth Copeland, Bridgewater, Somerset

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  • Flexibility
  • Ease Of Use
  • Value For Money

I saw a car that I really liked even though it was second hand. I knew the ex owner and he had really taken good care of it. He'd recently come up in the world and was in the process of upgrading and offered the car to me. Believe me it was a real bargain.

I therefore needed a personal loan and a friend pushed me in the direction of ZOPA.
So I went online and filled in the application and asked for £10000. My credit history was good and the instalments over the 5 year period were easily manageable. I needed the money quickly and they were really on the ball. After their credit checks the loan was approved and the money was soon in my account. I thank ZOPA very much as I now have my dream car.

Review posted by Jonathan Shelby

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  • Flexibility
  • Ease Of Use
  • Value For Money

I had never heard of Zopa before I went online and started looking through some of the loan comparison websites. I am so glad I took the time to do this because it turns out that Zopa were by far the best option for me. By just giving Zopa all my loan requirements I was able to sit back and let them do most of the hard work in finding me a suitable personal loan. All Zopa really needed to know from me was how much I wanted to borrow and how much I could afford in monthly repayments. It really was as straightforward as that.

So, If I ever need another personal loan I will definitely be going straight back to Zopa, I'd be mad not to.

Review posted by Penny Nugent, Eastleigh, Hants.

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  • Flexibility
  • Ease Of Use
  • Value For Money

I had planned to do some renovations on the house before winter and got a few quotes and was in need of £8000. This amount would be sufficient for all the construction work and refurbishing. The balance could brighten up our Christmas.

I started looking for the best deal and settled for Zopa for a few reasons. Their personal loan would be unsecured and fixed and they are also very flexible with their repayments.
So I approached them online and requested the £8000 I needed and chose to repay over 48 months. I knew my credit rating was high and the loan was approved very quickly indeed. I then signed the loan agreement and within a very short while I had the money.

All thanks to ZOPA we're looking forward to a great Christmas.

Review posted by Michael Lambert

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  • Flexibility
  • Ease Of Use
  • Value For Money

Before taking out a personal loan with them I had never heard of Zopa, I wasn't sure if it was one of these payday loan sites that keep popping up like Wonga, so I was a little reluctant at first. After reviewing their low rates and reasonable loan terms it quickly became apparent that Zopa were in a different league. When it comes to something as important as money I wanted to be sure who I was dealing with first though so I checked out their website to get my facts straight, it turns out that Zopa was a market leader in peer to peer lending!

At this point I'm a little confused to say the least, so I trawled through the wealth of information on their homepage. I had never heard of peer to peer lending previously but after reading through the information I quickly got to grips with the concept. Zopa acts as an intermediary between the investors (whose money it is you will be borrowing) and the person applying for the loan (me!), I found the concept of having a personal loan without having to go through a bank very refreshing especially as it cuts out all the annoying fees and charges - I was intrigued!

The amount I wanted to borrow wasn't particularly large so I decided to apply and fortunately for me I was accepted, looking back now I wouldn't have any hesitation about using them again. Transparent loans, low rates and excellent customer service!

Review posted by Abigail Williamson

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  • Flexibility
  • Ease Of Use
  • Value For Money

A short while ago we just allowed some of our expenses to run away from us through neglect more than anything else.
This also happened to a good friend of mine at the office and he suggested I take out a personal loan from a company called ZOPA and settle all the niggly debts and then just pay one monthly instalment to Zopa.

He said I'd probably save a lot of money as their rates were probably a lot more favourable.
I took his advice and did just that.
It was so easy. An online application followed by a prompt approval and then a repayment structure of 60 months for the £10000 borrowed.
I really liked the fact that it was a fixed loan and I could even pay it off over a shorter period if the money situation improved.
Believe it or not this has really helped us.
I'd recommend ZOPA to anybody.

Review posted by Keith Gillespie

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  • Flexibility
  • Ease Of Use
  • Value For Money

Myself (more my wife) have been umming are arrring about replacing our old fire place for quite some time. We've never really had the spare cash to do the huge job of getting it restored to a functioning one instead of gas. After having a look around on readies at various sites we decided to go with ZOPA, there rates and charges weren't too bad and after swapping some financial things around we decided to go for it. Our payments worked out at around 145 pounds a month for 12 months, we found them pretty good and fast to reply. I think we would use them again if need be.

Review posted by Paul Davies

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  • Flexibility
  • Ease Of Use
  • Value For Money

I went for a ZOPA personal loan because they were really efficient and quick to reply to my quotation for a loan so I could arrange my Trip to go and see my father who now lives in Thailand. They set me up with a easy repayment scheme that I could afforde with out getting into debt anywhere else. I found the employee who dealt with my Loan to be very organised and quick to answer any of my questions. I managed to borrow exactly what I needed and thought that the interest rate was very fair. Thanks to ZOPA I managed to visit my dad after 4 years! Very thankful customer.

Review posted by Molly T

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  • Ease Of Use
  • Value For Money

Man what a year we've had. Our home was damaged really badly in last winters floods, we were lucky that our insurance for the house did cover all a mediate damage but little did we know that the roof had also been badly damaged. After having a good 30% of the roof fall in on our house (luckily everyone was out at work and school) we contacted ourhouse insurance. Only to find that for some reason our insurance had not been reissued at the start of the year and we were now not covered at all! So anyhow, we had to look into funding it ourselves: queue ZOPA! They literally saved us from being homeless or very wet! Our loan app went in smoothly and we had a quick response with a great quotation for monthly payments and at the end of it all we only ended up paying around 400 pounds interest over the whole 12 months. BARGAIN!

Review posted by Megan towns

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  • Flexibility
  • Ease Of Use
  • Value For Money

One thing that I found really confusing when I was looking for a loan, was all the different criteria. For instance, some companies say you have to be over 18, some say 20, some even say 25. Then some say you just need to be a current resident in the UK, whereas others state that you must have always lived in the UK. A couple of times I had filled out the whole form, only to met with an automated message after submitting it, that informed me I was too young to apply for a loan with them! What was great about Zopa was all of this information was made very clear from the beginning, so my time wasn't wasted yet again. To finally find a company where I met all of the criteria was such a relief, and after that, everything else was easy.

Review posted by Sandy Gardner

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  • Flexibility
  • Ease Of Use
  • Value For Money

I have to say, when I first visited Zopa's website, it promised great things. Multi-award-winning customer service, 100% online, and no early repayment fees. They also had some great reviews which I read, so it seemed like all the promises they make are true. Well I can happily report that I am another satisfied customer. I did everything from the comfort of my own sofa, and was approved for my loan the same evening that I submitted my application. They have given me a great service from the moment I first clicked on to their website, and I can highly recommend them.

Review posted by Sandra Fisher

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  • Flexibility
  • Ease Of Use
  • Value For Money

I don't know if there are other companies like Zopa out there but I am so glad I came across them because they were the answer to all my prayers. I really didn't have a clue when i started looking online for an affordable loan and all I knew was how much I needed to borrow and how much I could afford in monthly repayments.

When I decided to give Zopa a try they were extremely helpful and once I furnished them with a little bit more information regarding my loan application they were very enthusiastic about my prospects of getting the right loan to suit me.

It took a few days for them to come up with the right loan but it was worth the wait because they have really proved themselves to me and I would almost 100% say that I would go back to them first if I ever need another loan.

Review posted by Mandy Levin

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  • Ease Of Use
  • Value For Money

When I decided to take out a loan to pay for some new equipment for my hair salon I took some very good advice from one of my regular clients who told me about Zopa.

My client, like me, is a very busy person and she delegated the task of finding the best personal loan for her to Zopa. She told me she gave Zopa all her loan requirements and then basically left the rest to them. Within a few days she had her loan and she was very happy with the package they had come up with.

Zopa sounded like my kind of company and so I took my clients advice and put my loan search in their capable hands and hoped I would get as good a result as my client did. I would have found it slightly embarrassing if Zopa failed me and I had to tell her.

But Zopa didn't fail me and they appear to be very consistent in their success rate because I have subsequently spoken to two other people recently who have got their loans through Zopa and both of them were very satisfied customers. Which being the owner of a hair salon, satisfied customers is a very important thing for me too!

Review posted by Ozzie, Beckenham

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  • Flexibility
  • Ease Of Use
  • Value For Money

Zopa Peer-to-Peer lending makes it easy for you to find a lender who matches your needs. They offer really low rates on personal loans and are one of the most affordable lenders in the UK.
Zopa does not require you to be a customer before offering you a personal loan. Applying does not take a lot of time and the process is easy. Plus, Zopa's customer service is excellent.
At 4.4% APR, borrowers get a good deal when they choose Zopa. If you borrow money through them and want to repay it early, you will not be required to pay a fine of any kind.
Zopa does not provide consumers with the option of getting a 1 year loan. All of their personal loans have a minimum term of 3 years and a maximum term of five years. Since Zopa is a peer-to-peer network, their requirements are more stringent than banks.
While Zopa is careful to match lenders with borrowers who are likely to repay, you may easily check the likelihood of being approved before you apply. With a low rate that cuts the amount of interest you have to pay, this personal loan provider is a good option.

Review posted by Harrison Taylor

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  • Ease Of Use
  • Value For Money

A friend tipped me off about Zopa and I had seen them on the loan comparison website but just hadn't given them a lot of notice because I was focusing on the names I recognised. In the end none of the well known names could quote me an affordable loan so that's why I went back to Zopa and gave their website the once over. Peer to peer lending seems to be what made Zopa stand apart from the other lenders and that's what my friend had been on about when they were recommending them to me. They also appear to have won several awards for being a most trusted loan provider so I am not surprised that I eventually ended up getting a very affordable loan through them. I will almost certainly use them again if I need another affordable loan and I have already passed on the recommendation to another friend who is looking for a personal loan as well.

Review posted by Denis Chapman, Colchester

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  • Ease Of Use
  • Value For Money

Thanks to this brilliant loan from Zopa which was processed in such a fast time I was able to buy my brother's car from him before he was about to trade it in for the new car he was buying. It was a bit of a last minute decision and because I had agreed to pay quite a bit more than the dealership were going to give him as a trade in he was happy to give me a week to sort out a loan. I had used Zopa once before for a small loan to pay for a holiday to New York to celebrate my 30th birthday so I knew I could get a decent rate on a loan with them and that they work really quickly to get your loan processed. They didn't let me down and got my loan in plenty of time with the usual very competitive rate and I couldn't be happier. Thanks Zopa you deserve all the awards and accolades you win for your loans.

Review posted by Lydia Grainger, Petts Wood, Kent

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  • Ease Of Use
  • Value For Money

Ever seen a great movie such as Jurassic World in 3D on a TV screen with Dolby surround system? I did! Ok, its not the same as IMax but still, I get the creeps all over watching it for the sixth time in a row.

My name is Marc, 25 years of age and in my free time I watch movies. Especially those with effects I must clarify.

Going to the movies is great, but living remote, having not much friends I lost my appetite for travelling back and forth, paying for the film I liked to watch in my own comfort zone and insulted my paper cups and candypaper throwing brats.

To end all this all I visited the Pixmania site to see what's possible in as much as affordable way of financing. It turned out to be that there's no way of using the 'in-house' financing service of Pixmania itself. Way too expensive, all kinds of little conditions and rules and that sort of unpleasant stuff.

The real and acceptable solution I found in Zopa, the most popular way of financing about anything. On their website it is clearly stated what is possible and what not. For me it didn't take long to make a decision. Once approved, my loan of £7,000 against a very acceptable (low) interest rate resulted in a boost on my regular bank account, all settled for the purchase of the entire set: a 102 cm diameter smart TV with a stereo receiver, 4 Bose speakers including a woofer, top of the bill cables and connectors.

With Zopa my dream became true: not being embarrassed by anyone, getting goose pimples anytime I want in my own home. Lights out!

Review posted by Marc Busch

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  • Ease Of Use
  • Value For Money

I needed to take out a personal loan to consolidate my credit card debt. The interest rates on the cards were becoming ridiculous and I felt I would be better served if I found a lower interest rate to take care of the whole amount. I started researching on line and spoke to friends to obtain their input on possible loan companies they had used, or banks that offered favourable rates. One friend told me about Zopa and what a great experience he had encountered. So I looked them up.

I had to agree with my friend that the read up on Zopa seemed rather attractive as it matched lenders and borrowers to be a win-win situation. I also liked the fact that you could make early payments without penalty. So I made an application and activated the Zopa loan calculator, which was extremely helpful. I made a good decision using Zopa for my lending needs, I am very happy with their service.

Review posted by Tom Landen

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  • Ease Of Use
  • Value For Money

If you are like me and are having trouble finding a good loan then take my advice and go straight to Zopa. I wish I had used them straight away instead of spending hours going through all the other loan companies. Zopa make it so much easier for you because they use a peer to peer system which means they can find much more loan options than you would get with an individual loan company. It only took them 24 hours to come up with a brilliant loan for me and if I'd not used them I might have given up and gone with a loan that wasn't quite right for me. With this Zopa loan I know I have got the best deal for me and for that reason I would definitely use Zopa again and save myself all that time and effort.

Review posted by Neil Smith, Bishop Stortford

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  • Ease Of Use
  • Value For Money

Taking out a loan is a scary business and not something that I relished. But needs must and I had to find some extra funding for an emergency situation. I wanted to find a loan company that was flexible and presented a fair interest rate. I researched on line and came up with Zopa. I liked what I read about them and decided to give them application.

I found them to be very professional and knew their stuff after I had talked to their customer service on a couple of points I needed to clarify.

I applied for a loan, filled out the application which seemed simple enough. The loan calculator was instrumental in allowing me to make a good decision on what I should try and borrow. I could see what the interest rate would be and the repayment amount. My budget could handle the payment, so I accepted their offer and I was not disappointed at the outcome.

Review posted by Scott F.

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  • Ease Of Use
  • Value For Money

ZOPA was the name that came up when we went online to look for a personal loan to fascilitate the altererations at our house.
It has been on the cards for a long time and we knew that it was not going to be a small amount. Interior and exterior work was needed as well as a new bathroom and a remodelled kitchen.

We had saved for a few years for the work but knew that we would have to add a bit more somehow.
We filled in the online application and asked for £10000 to be settled over the maximum period of 5 years. We did this because the loan had a fixed rate and if we decided to settle early there were no extra charges.
The loan was approved after their credit checks and before too long the funds were available and work has begun at home.

We have lots to thank ZOPA for.

Review posted by Danny Schneider

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  • Ease Of Use
  • Value For Money

At first I didn't understand the concept of Zopa but after reading up about how the company works I thought it was actually a great alternative from getting a loan at a bank. As Zopa is a peer to peer lender, interest rates are more often than not far more competitive than what most high street banks can offer. This is because of the concept of Zopa uses money from real people who then lends money in the forms of loans.
Before even applying for the loan everything is clearly shown. See, I think an important feature of Zopa is that my loan application was checked over by a real person and not just some cold hearted corporation such a bank. The online application process was so easy I had to double check everything was correct. It only took a day to get a response back from Zopa at whether or not I had been successful, and after sending the document back I then had the money in my account a few working days later.
As a customer you can always keep an eye on everything through the online account, which is a nice feature. I'm actually paying around £45 less every month thanks to the kind people at Zopa. Such a pleasant and hassle free experience. My advice is if you're looking for a great and cheap alternative to a bank, Zopa is the place to go for a personal loan.

Review posted by Jamie Clark

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  • Value For Money

I had just moved into an unfurnished apartment, a lot closer to where I work so I will save a lot of time and money on travel. The problem was that I now needed a cash boost to furnish the new apartment and make it look like the home I'm accustomed to.

Searching online trying to find a company that offered the best rates on a personal loan lead me to ZOPA. I've used a few companies in the past and this one seemed really innovative so I approached ZOPA and asked for a personal loan of £6000 which I could repay over 5 years or less if I came into money suddenly.
I had to meet with their credit criteria which is the norm, but once that was cleared and the loan approved it didn't take too long for the money to be made available.

I'd recommend ZOPA anytime.

Review posted by Arnold Russell

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  • Ease Of Use
  • Value For Money

On the recommendation of a colleague at work I used Zopa for my recent personal loan. It had been a while since I had taken out this sort of loan before and I really wasn't sure how to choose what loan was going to be the best option for me. I was on the verge of reluctantly accepting the offer my own bank made me. I knew enough about competitive loans to realise they weren't doing me any favours really.

Zopa were a revelation to me because I hadn't heard about this sort of lender. They specialise in putting the borrower with the right lender for their particular loan requirements, peer to peer lending as it is known as. Zopa are there to make sure you get the best loan possible . They have won several awards so they must be getting it right more times than not. They have certainly got it right for me and I have just got to say well done to them because I can be a bit of a tricky customer sometimes.

Review posted by Kenneth Ashton

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  • Ease Of Use
  • Value For Money

I take my hat off to whoever it was that came up with such a brilliant company like Zopa. They must have realised there were thousands of people like me that just really don't know where to start when they are looking for the right loan. Its one thing knowing what you can afford in repayments and what APR you want to be charged but loans aren't that simple, especially when you want to borrow a lot of money. It really requires a bit of careful research and loads of comparison work. That takes time and effort neither of which I had when I decided to get this loan. Clicking on the loan comparison website was the most effort required really because when I found Zopa it was as easy as anything after that. I've been telling all my friends about Zopa because I think they are brilliant and I am sure a lot of my friends would find them of great help to them also because they are usually just as busy as I am.

Review posted by Ms K., Sittingbourne, Kent

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  • Ease Of Use
  • Value For Money

I have in the past taken out a loan or two and was always put off by the burocracy and the time it took for decisions to be made even if the decision was a negative one.
I needed to buy a second car for the family as my two boys both had driver's licences but no cars. So you can imagine the chaos at home.

My eldest son told me about ZOPA. I had never heard about them but followed his advice and applied online for a personal loan of £8000 to buy the second hand car we'd all decided on already.
It didn't take long at all. Obviously there were certain checks they had to carry out to make sure you could afford the repayment instalments and of course things like your residential and employment status. Once this was done the loan was approved and we decided to take the 5 year payback option.
There were loads of other benefits as well.

I'd certainly recommend ZOPA to anybody.

Review posted by Clarence Wilson

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  • Ease Of Use
  • Value For Money

Zopa seems to be popping up more and more as a company setting itself apart from others with its peer-to-peer lending, keeping the banks out of it and, as they say, resulting in better rates for us.
I decided to investigate using them when I needed to fund storage some storage until I was earning more to pay for it. I recommend going for the 3 year if possible as it keeps the APR at 4.8 versus nearly 7 for a one-year loan. The application was pretty seamless, I am happy with the plan I've got set up and managing the payments and the best thing is I got to keep my stuff!

Review posted by Steve Mitchell

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  • Ease Of Use
  • Value For Money

Thanks to Zopa I have the right loan for my personal needs which is what all personal loans should be like but they haven't always been the case for me and I really didn't want to make any mistakes again with this loan so it was asking a lot of Zopa but they didn't let me down.

I found Zopa online and hadn't heard of them before but I liked the idea of someone better qualified than me finding the right loan for me. It makes so much more sense and I don't know why I have only just discovered the great service they provide to borrowers. I will most definitely use their services again and will also be recommending them to my friends.

Review posted by Adam Birch

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  • Ease Of Use
  • Value For Money

I am not surprised Zopa got voted 'most trusted loan provider' because I would trust them 100% with finding me another loan next time if this loan is anything to go by.

I hadn't heard of Zopa before and the peer to peer idea was not something I had come across before either. But when I found out more about the whole set up of Zopa and what they offer their customers I didn't hesitate to put my loan search in their capable hands. Because of that I have the loan I needed and and its all sorted within less than a week.

When I think about how much time and effort they have saved me I am so glad I decided to go with them and if you are as busy in your job as I am and are looking for a loan that suits you and not just the lender then I would say go to Zopa and let them help you find that ideal loan.

Review posted by Craig Draper

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  • Ease Of Use
  • Value For Money

Zopa is not quite the same as the other lenders on this website. They do a bit more for you. They cut out all that searching and comparing that you have to do when looking for the right loan for yourself. Zopa will do that for you and that is how you end up with a great loan because it is the right loan for YOU. That's not the case with other lenders because they offer a particular loan and you decide whether its what you are looking for. With Zopa you tell them what you are looking for in a loan and they find it for you. Its as simple as that. They call it peer to peer lending, I call it saving me a lot of time and effort!

Review posted by Will Moffat

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  • Ease Of Use
  • Value For Money

My friend recommended Zopa to me and it turned out to be a very good recommendation because not only have I been given a very competitive APR on my personal loan but it all happened within less than 3 days. I had already spent the best part of 2 days trying to negotiate a loan with my own bank and nothing came of it.

With Zopa I simply had to give them all my requirements and all my financial details and then just sit back and wait for Zopa to come up with the best loan they could find for me. I know it is something I could have done myself eventually but it would have been a very tiresome and frustrating task and besides which I just didn't have any more time to spare doing the research myself.

If you are a very busy person like me but need the best possible loan deal, then I would recommend Zopa without hesitation.

Review posted by Beth Lambourne

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  • Ease Of Use
  • Value For Money

Zopa was a new concept to me when it came to loans because I had never heard of the term peer to peer with regards to getting a loan.

On reflection it seems like the best idea ever because like me I know loads of people who have taken out loans over the years that haven't been entirely satisfactory and some have been complete disasters, mine included.

This is definitely not going to be the case this time because Zopa have done a brilliant job at finding me the very best deal with my personal loan and it was so simple for me that I don't think I would ever consider using any other method of securing a great deal on a loan unless Brad Pitt went into the business of offering loans in which case I just might have to do some further investigations on him!

Review posted by Tessa Cruickshank

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  • Ease Of Use
  • Value For Money

I spent a couple of evenings looking through the loan comparison websites trying to find a loan that I could afford without having to sacrifice too much of my salary each month in repayments. Most of the regular high street lenders were offering similar deals but I was finding it difficult to make a choice. Then I remembered seeing Zopa and thought it would be interesting to try a different approach.

I went on to their website and gave them all the required information and within hours I got a response. They had found me a loan that ticked all the boxes and it was better than the ones I had been considering.

Zopa certainly seem to know their stuff. I can't thank them enough for taking over and getting me the right loan.

Review posted by Danie L., Woolwich

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  • Value For Money

I've been recommending Zopa to so many people since I got my loan through them that it is a real shame they don't pay me for all the by word of mouth advertising that I have been doing for them.

I found that hardly anyone I mentioned Zopa to had heard of them even though quite a few of them have used the loan comparison websites to look for loans.

If everyone ends up with a loan that they are really happy with without using the services of Zopa then thats great but if they are not entirely satisfied with the deal they are getting then they really should go with Zopa because in my experience you really don't have anything to lose but could gain a lot with the right loan.

Review posted by Vinnie D'Courcey

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  • Ease Of Use
  • Value For Money

Thanks Zopa! You have come up with a great loan for me that I know is better than anything my bank would have offered me. Thank goodness that in this day and age we don't have to rely solely on the goodwill of our banks to get a fair and competitive loan. Companies like Zopa have widened our scope when it comes to finding a competitive and affordable loan and I am so glad I found them on the loan comparison website because without them I think I would still be searching for that elusive great loan deal.

It might sound corny, but Zopa have been a bit like a Fairy Godmother to me because getting this loan is going to help solve a lot of financial problems for me and as we approach 2016 everything seems so much more optimistic for me. Just don't go calling me Cinderella though!

Review posted by Sharon Hughes

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  • Ease Of Use
  • Value For Money

Zopa was a good find for me because without their help I am sure I wouldn't have got the great deal I have with this personal loan. All I knew was how much I needed to borrow and how much I could easily afford to repay each month. It all got too confusing for me when I started trying to look for the right loan. then I found Zopa on the Readies loan comparison website by pure chance and decided to give them a go. They came up with the right loan for me in less than 48 hours and within a week the whole thing was sorted and once I had signed the terms and conditions of the loan agreement the funds were transferred into my bank account the next day. Zopa delivered everything they promised with the loan and I am delighted and happy to recommend their services to anyone looking for a competitive and affordable personal loan.

Review posted by Patrick Whelan, Stanford Wye, Cambs.

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  • Flexibility
  • Ease Of Use
  • Value For Money

My daughter-in-law helped me to acquire this loan by finding Zopa on the internet and looking into the possibility of getting a personal loan with them. I had no idea really how to go about such things as my late husband did all that for me when he was alive. My daughter-in-law was only too happy to show me how to go about applying for a loan in this way and she explained that Zopa were the best choice for me because they do all the hard work for you and guarantee to get you the most competitive rate for your loan. I really couldn't ask for a better outcome to this first attempt at borrowing money rather than just going to my own bank who were were happy to give me a loan but they were charging a much higher fee for the privilege of it and so I had to decline their offer. But I have found out all about Zopa now and so it has all ended well for me.

Review posted by Margaret Metcalf, Surrey

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  • Flexibility
  • Ease Of Use
  • Value For Money

Zopa offer a new concept in high value lending; peer to peer. Unfortunately they haven't really managed to get it running very well, and the APRs are higher than many traditional high street lenders. Zopa also make a decision based on a 'soft search', meaning that they cannot possibly take your financial circumstances into account, and make a decision based purely on your credit file alone; for those who have a valid reason for missing card payments or defaulting on previous financial agreements this can mean the application is dead in the water. The other downside of this process, as previously mentioned, is that they struggle to match the lower APRs of many high street lenders, and with rivals being able to make a more informed choice about whether they should give you the money, combined with more flexibility on how long you can have the funds for, Zopa have shot themselves in the foot. Borrowers should also take note of the fact that Zopa is peer to peer funded, and is less secure than many other institutions, so borrowing, and then finding the company has gone under, is a very real possibility. Until they use the 'peer to peer' model as a method of offering better rates of interest, and actually being more lenient with their lending, there really is nothing to draw people to Zopa.

Review posted by Rebecca Poole

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  • Flexibility
  • Ease Of Use
  • Value For Money

I had not really heard about ZOPA and the fact that they give personal loans but when I needed a loan one day I got some advice from an old friend and he suggested I approach them and ask them for an unsecured personal loan and that's exactly what i did.
I went online and read up about them and then filled in the application online requesting £5000.

Obviously there are certain checks and validations that they need to carry out to make sure you can meet the payments regularly, but as soon as that was done the loan was approved and before long the money was in my account. I agreed to repay over 24 months.

I recommend ZOPA highly.

Review posted by Rory Morrison

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  • Flexibility
  • Ease Of Use
  • Value For Money

Pet insurance is one of those things I had been meaning to sort out for ages, but every month there always seemed to be another financial priority. Now I'm definitely paying the price for it, after receiving a hefty vets bill. By scraping all my money together, I just had enough to cover the cost, but certainly learnt my lesson the hard way and don't want to be caught out again. With the great rates on offer with Zopa, it made perfect financial sense for me to take out a personal loan and get my pet insurance sorted right away. Their service was so fast that I managed to sort out and pay for the insurance policy the very same day.

Review posted by Jayne Medley

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  • Flexibility
  • Ease Of Use
  • Value For Money

In spite of the loan comparison websites and the lenders loan calculator tools, it still took me ages to finally end up with a decent, affordable loan.

I have found running a marathon an easier task by comparison but hopefully I will be running more marathons than I will be getting personal loans so in the end it was worth the effort.

Zopa managed to sort out the right loan for me which had to include a really competitive APR, easily affordable repayments and be spread over a time period that meant I wouldn't be saddled with the loan for too long a period. I know it seems like a bit of tall order but Zopa managed to achieve it and if I ever find I need another loan in the future I will start at the end of the alphabet and go to Zopa first.

Review posted by Neil

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Zoe got her Zopa loan, Zoe got her Zopa loan! I know it sounds really lame, but that is what I have been running around my living room chanting as soon as I got the approval for my loan from Zopa.

I was getting quite anxious because none of the lenders I looked at first were able to come up with a loan that I could really afford without putting myself in a difficult financial situation every month. I had to borrow the money but I wasn't going to do anything daft and sign up to a loan that wasn't right for me.

Zopa managed what I thought was going to be the impossible and got me a great loan that will not give me sleepless nights worrying about and so now I am about to run around my living room chanting "thank you Zopa for my loan, thank you Zopa for my loan!!

Review posted by Zoe Powell

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  • Flexibility
  • Ease Of Use
  • Value For Money

I went straight to Zopa when I logged onto the loan comparison website because my friend had told me all about them and said they would be a good place to start with in my search for a personal loan.

She explained that they weren't like the other lenders and that their role was to find the right lender to match your specific needs. I hadn't heard of this peer to peer loans before and thought it sounded like a really sensible approach to borrowing money.

I have my loan now, tailored to suit me perfectly and although it took a little bit of time it was well worth the wait and it won't be too long to wait for the funds now that I have accepted the terms and conditions of the loan.

My mum is always saying that patience is a virtue and I am glad that for once I was patient enough to wait and let Zopa find my loan instead of me rushing into a loan agreement that might not have been right for me.

Review posted by Ms A., Windsor, Berks.

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  • Flexibility
  • Ease Of Use
  • Value For Money

I had every intention of spending as long as it took to find the right loan for myself and I did manage to do a bit of research on the internet before coming across Zopa.

I hadn't heard of Zopa before but when I read their profile and saw that they were offering what they call a 'peer to peer' method of matching borrowers with the right loan for them I decided to give them a try. I figured they would be better at the job than I would and I am delighted to say I was right.

I've got a really affordable loan with a better than average interest rate and the terms and conditions of this loan suit me and my personal circumstances. I am so pleased that I found Zopa and would definitely use them again and it goes without saying that I would recommend them without hesitation.

Review posted by Gerry Nolan

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  • Flexibility
  • Ease Of Use
  • Value For Money

Zopa have got me a really great personal loan that meets all my needs and requirements I knew they would, I just didn't know how long it would take.

Don't go to Zopa if you want an instant 'on the spot' loan. Zopa don't rush things. They take their time to make sure they find the right loan for their customers and if you have the time to wait while they do their job you will be rewarded with a loan that is just what you were looking for and you haven't had to give yourself a headache finding it yourself.

Review posted by Anthony Smith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Zopa's peer to peer lending idea is brilliant and it would seem by looking at the loan comparison websites, that not many lenders can offer the same fantastic service.

I gave up my search for the ideal loan when I saw Zopa could do the job for me. If you have a hectic lifestyle like mine then it is great to find a company like Zopa that can takeover an otherwise tedious task and come up with the result you were hoping for in no time.

I had my loan and the funds in my bank account within less than a week after using Zopa and if it were not for them I would probably still be searching for that ideal loan.

Review posted by Katherine McShanlon

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  • Flexibility
  • Ease Of Use
  • Value For Money

I'd read about ZOPA and about how they won a range of awards. I also liked the fact that they were really flexible and their rates were fixed.
I wanted to buy a car and so I approached ZOPA online and asked for £8000 to be repaid over 3 years.
My creditworthiness was checked out to make sure I could make the payments and once this was done the loan was approved. Other checks were carried out too confiming financial and residential details.
They were totally professional and efficient and the money was transferred to my account.
I now have the car I wanted and I feel secure dealing with ZOPA.

Review posted by Malcolm Fletcher

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  • Flexibility
  • Ease Of Use
  • Value For Money

Our entire house needed a coat of paint. We bought the house about 14 years ago, believe it or not, and it still had the original paintwork. We did the interior ourselves about 2 years ago but the exterior would have to be done professionally.
I got a few quotes and decided on the decorator that would do the entire job including patchwork etc.
I then applied online for a personal loan from ZOPA. I liked the fact that the loan was unsecured and with a fixed rate.
They carried out their credit checks and approved the loan of £6000 which was to be repaid over 2 years.
It was really very simple and the money was soon in my account with the minimum of red tape.
ZOPA are really helpful and I would recommend them anytime.

Review posted by Walter Jackson

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  • Flexibility
  • Ease Of Use
  • Value For Money

Finding the right personal loan for the amount I needed to borrow wasn't as easy as I thought it would be. I had 3 main requirements which were to get the lowest possible APR, affordable monthly repayments and a loan period of no more than 18 months.

I was about to give up searching after a couple of hours and then I saw Zopa on the loan comparison website and thought I'd give their website a look and see what they were offering. It turns out they were offering to help people like me find the ideal loan without going mad in the process.

They basically took over where I left off and within a couple of days they had found me the right package. All three of my requirements covered and all I had to do was sign on the dotted line. Which I did as soon as possible.

The funds were in my account within less than a week of me contacting Zopa and that is what I call a great service and I'll definitely be going to Zopa first if I ever need another loan.

Review posted by Kiaran D., Maidenhead

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  • Ease Of Use
  • Value For Money

I have an ok relationship with my bank but that's as good as it gets, probably because I rarely go overdrawn and so far haven't had the temerity to ask them for a personal loan. But I get the distinct impression that if I did it would be met with a resounding NO!

So when I needed a personal loan to pay for me and my wife to visit her parents in Australia for Christmas this year I set about finding a suitable loan company to do business with.

A guy at work who is good with money and figures sat down with me one lunch time and helped me go through various loans online and before I knew it I had applied for a loan with Zopa and within a couple of days when all the relevant checks had been done I had my loan and was able to book our flights to Australia.

Review posted by Lee Burton

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  • Ease Of Use
  • Value For Money

Trust Zopa to find you the best loan for your particular needs. That would be my advice. I took the recommendation from a friend and they were absolutely right when they said Zopa were great at finding you the best deals on personal loans. He was satisfied with his loan and I am very happy with the one they have just got for me.

There is a very good reason why Zopa have been voted most trusted loan provider and I think you'll find that title speaks for itself. Unless you think you can do better job, I'd just save yourself time and go to Zopa.

Review posted by Danny Donovan

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  • Ease Of Use
  • Value For Money

I hadn't heard of Zopa until I went online to check out some personal loan websites. I had more or less decided on trying for a loan with my own bank but the loan comparison website is a good way to start when looking for a loan and so that's where I went first and I am really glad I did because I liked Zopa's online profile and thought they sounded like an original and forward thinking loan company.

From the minute I made my application I had a good feeling about it and I wasn't proved wrong. Zopa have been great in putting together the right loan deal for me and I know that I won't have any problems with making repayments because it really has been tailored to suit my personal circumstances which is how all loans should be.

Review posted by Harry Saunders

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  • Ease Of Use
  • Value For Money

With all the bad press and negative articles about banks and loan companies in general the "most trusted loan provider" says a lot about Zopa and for me those 4 little words were what clinched it for me when I was deciding on who to chose when I was looking for a personal loan.

At the end of the day it isn't just about getting a loan with the lowest interest rates it is about peace of mind which only comes when you are with a loan company that you can trust. On that basis Zopa get my vote every time and I will definitely use them again in the future.

Review posted by Glen Mayfield

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  • Ease Of Use
  • Value For Money

My husband set me the task of finding a good personal loan deal so that we could afford to go on my dream holiday to the Maldives.

With the help of my sister who has a good business head we went through all the available loans on the comparison website and she reckoned Zopa was my best bet.

Within a couple of days I had my loan with Zopa approved and when I told my husband who I had got the loan with he said "oh yeh I was going to suggest you give them a try". I don't believe him but if it makes him feel happy then I am not going to argue with him. I'm getting my holiday to the Maldives and that's all that matters.

Review posted by Sally Turner

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  • Ease Of Use
  • Value For Money

I had a personal loan a few years back and the whole experience of borrowing a large sum of money was a bit stressful, mainly because I didn't feel the loan was the right one for me and I was annoyed with myself for taking on the loan without doing a bit more research beforehand.

This time things are different and after several days of going online and checking out different loan companies I eventually decided on Zopa. In my opinion Zopa found me a loan that fits around my finances and not that I have to fit my finances around the loan.

If only I had gone to Zopa the first time round I wouldn't have been so stressed and so reluctant to ever take out another loan again. It goes without saying that I would use Zopa again.

Review posted by Ed Nuffield

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  • Ease Of Use
  • Value For Money

My best friend wanted me to go skiing with him this year and I said I'd love to but I'm skint after having had two holidays to Spain this Summer and with Christmas just around the corner. He laughed and said he was too but that wasn't going to stop him going skiing and it shouldn't stop me either.

That's when I got introduced to the world of personal loans and Zopa in particular. Both of us have good jobs and earn an above average salary so affording the repayments on a loan were never going to be a problem so I don't know why I hadn't thought of it myself. But then even when we were at school my friend was always the one who came up with the great ideas to sort out our cash flow problems and it seems nothing has changed.

Review posted by Josh Williams

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  • Ease Of Use
  • Value For Money

I have been on the other end of loaning to peers or people who need to build their small business. I didn't expect, at age 34 to need this type of loan, or any for that matter but I got laid off and had a gap of 9 months before I was able to find another job. With my savings mainly gone after the first few months, I looked at Zopa as an option and was very confident I would pay it off and find new work when a friend opened a start-up company. It was the solution I needed and their business model seems to work in the favour of both the loaner and loanee. Two thumbs up!

Review posted by Daniel Stoker

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  • Flexibility
  • Ease Of Use
  • Value For Money

Getting a personal loan through Zopa is a bit like using a dating website to find your perfect partner. That's how my friend described it when she was recommending Zopa to me.

I was intrigued so I decided to give Zopa a go having already rejected a loan offer from my own bank because of the high APR they were quoting me and a repayment amount that just didn't suit my monthly budget.

Basically as far as I can tell, Zopa do all the leg work for you and put together a loan that gives you the right APR and repayments to suit your affordability. Which is exactly what I wanted from a loan.

I have just accepted the loan that Zopa have put together for me and I am really grateful to my friend for recommending them to me. I just wish she could recommend a dating agency that's as good at finding me my ideal partner as Zopa were at getting me my ideal loan.

Review posted by Kerry O.

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  • Ease Of Use
  • Value For Money

Zopa is definitely the right company to go to for a personal loan if you have a good job that pays well and your credit history is relatively healthy. If you can tick those boxes you are pretty much guaranteed a good deal on a personal loan with Zopa.

I haven't always been able to tick the healthy credit history box but over the last few years I have got my finances on track and rectified that particular area of my life. That's why my loan with Zopa is purely to reward myself and my wife with a nice cruise to make up for those years of going without.

Review posted by Ned Beresford

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  • Flexibility
  • Ease Of Use
  • Value For Money

Can I just say how much I loved the customer service rep I spoke to with Zopa? Mark, I believe.

The rest aside, I had a good chuckle, he was a lot more personable than most robotic and calculated service representatives by phone, which actually swayed me to continue with Zopa after I little trouble with the application and thought I might go elsewhere. A big plus was also the flexibility rescheduling and obviously the competitively low APR rate.
Just to note, there is an arrangement fee, but everything else adds up to a good choice all around. Thanks for the laugh Mark!!

Review posted by T. Mitchell

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  • Ease Of Use
  • Value For Money

It's not that I am lazy but I just don't have the right attitude when it comes to sorting out the important things like getting the best possible deal on a loan. When it comes to APRs I obviously want to get a loan that is offering the lowest but that doesn't always mean getting the other aspects of the loan right.

I thought I had made the right choice when I took out a loan a couple of years ago because the APR was very low but the repayments were higher than I could comfortably afford and so I struggled every month to meet the repayments and I vowed I wouldn't make that mistake again.

So Zopa appealed to me because after using their online loan calculator I could see straight away that both the APR and the repayment figures would suit me. The fact that I ended up with an even better APR but still kept the lower repayments was just the icing on the cake for me.

My advice to anyone looking for a tailored made loan is to give Zopa a try and see what they come up with before you make any silly mistakes like I did with my first loan.

Review posted by Samantha T.

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  • Ease Of Use
  • Value For Money

My brother in law recommended Zopa when I said I was looking for a personal loan to pay for a new kitchen. My wife had been nagging me ever since the brother in law and his wife, who happens to be her sister, invited us round to show off their new kitchen and I said the least he could do was help me find the right loan. It turns out they only had their new kitchen thanks to Zopa and I did laugh at the irony of the situation.

Anyway, we got the loan and the wife is getting her new kitchen next week and guess who will be the first people she invites round for dinner!

Review posted by John Barnfield

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  • Flexibility
  • Ease Of Use
  • Value For Money

Thank goodness they don't list all the lenders on Readies loan comparison website in alphabetical order otherwise I would have had a lot more work to do before arriving at the perfect loan for me.

Zopa certainly deserve the numerous awards they have been given if my current personal loan is anything to go by. They have managed to get me a brilliant APR on the amount I wanted to borrow but got me a monthly repayment amount that would not compromise my finances.

I was beginning to think that wasn't going to be possible when I looked at several of the other lenders before clicking on Zopa's website

Zopa's requirements for you to be eligible for one of their loans is quite stringent but once you have passed them that is how they manage to secure the best deals for their customers.

Review posted by Petra Lillani

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  • Ease Of Use
  • Value For Money

Zopa is name I hadn't heard before a couple of weeks ago when I was thinking about a personal loan but it is certainly a name I won't be forgetting in a hurry. I initially started thinking in terms of the usual High Street bank names.

After scouring the internet for a suitable personal loan I ended up with Zopa and I suppose if I had been doing the search alphabetically I might still be looking. But I have my loan with them and I am very pleased with the arrangement they have set up for me and I am sure there is a perfectly good reason why they call themselves Zopa but I haven't figured it out yet.

Review posted by Steven Walters

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  • Ease Of Use
  • Value For Money

To try and find the most flexible and user friendly personal loan was the reason I went online and researched READIES.
Most of the loan companies were pretty much the same until I came across ZOPA.

Their loans have a fixed rate and you can settle early without paying extra fees.

The next thing I did was apply online for a personal loan of £7000 with a 3 year repayment schedule.
I submitted all the necessary info they required in terms of residence, employment and credit history and before long the money was in our account.

The customer service was excellent and will use ZOPA again if necessary.

Review posted by Patrick Murphy

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  • Flexibility
  • Ease Of Use
  • Value For Money

I am delighted to say Zopa have just approved my personal loan application and I can go ahead and plan my Winter wedding. When my partner proposed to me on our first proper holiday together this Summer we initially thought about a beach wedding next year but then I decided that a Winter wedding in a Scottish castle would be much more romantic but the thought of waiting until the end of 2016 for it was not on.

So that's why we applied for a personal loan with Zopa. My future husband had taken out a small loan with them a few months before meeting me and he had been pleased with the overall experience. I am sure we shall be using the services of Zopa again in the not too distant future but in the meantime I just wanted to say thank you to them for giving us a great loan.

Review posted by Lesley Rosebuck

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  • Flexibility
  • Ease Of Use
  • Value For Money

After considering many loan companies, comparing the interest rates, fees and what they offer, I felt confident that the best choice would probably be to borrow from Zopa.
Their strongest point in my opinion is the fact that they allow you to pay back the debt before the end of the loan period, if you run into unexpected money.
This is not the norm with most other companies, as the ones that allow you to, charge you penalty fees.
Not with Zopa. No fees for early settlements.
I borrowed 7500£ over 3 years and my repayments were just over £200, which is an amount I can afford, so I'm confident I'll not default.
I'm convinced I opted for the best loan company.

Review posted by Monica Pritchard

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  • Flexibility
  • Ease Of Use
  • Value For Money

When deciding who we would apply to for a £8000 loan, I read on Readies compare and information page that Zopa had won the " Moneywise" award for the " most trusted loan provider" for 4 years running.

This information gave them credibility in my eyes, so my wife and I agreed it would be them that we would request our loan from.

We have not been dissapointed so far. We are repaying over 36 months so that we meet the repayments comfortably, and we are pleased about the fact that we can settle the balance owed at anytime we wish, if we wish, without being penalized with fees.

WE have a clean credit history, which I'm sure they verified, so I gues sthis is the reason why the loan was granted immediately and the cash made available.
Hope their service continues to be this good.

Review posted by David Murray

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  • Ease Of Use
  • Value For Money

I read on the loan site of Readies that to qualify for a loan from Zopa, one had to be at least 20 years old.
I was pleasantly surprised to see this, as I'm almost 21 years old, and thought I'd have to wait till my 21st to apply, but luckily not.

I have a clean credit history as I've never taken out a loan and I do earn more than £15000 per year so I guess these 2 points counted in my favour.

I filled in the application form on line which was simple and uncomplicated, supplied the documents they requested, like a copy of my passport and proof that I have lived in the same address with my parents all my life.

My loan was approved and the £3000 that Ill be paying off over 24 months, was deposited in my bank upon approval.

Great company Zopa seems to be. Hurray!

Review posted by Maureen Taylor

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  • Ease Of Use
  • Value For Money

What a name for a loan company.!
Did not attract me at all when I was busy chosing through the list.
Reminded me of everything except a loan company or bank...so I ignored them and moved down the list...
However I did briefly notice that IF you wanted to pay off the loan before the time, you could, with no penalty costs...
This I did not read anywhere else...so I went back and read again, slower and more carefully the 2nd time round.
When I realised this offer I knew I had to apply with them as there was a chance that I could sell some shares in one year's time and thus pay them off saving loads of interest.
I therefore applied for a £12000 loan over 48 months which was approved.
This is a big lure that they offer.
Congratulations Zopa, I'm sure you must get plenty clients with this feature.

Review posted by Paul Carlton-Smith

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  • Ease Of Use
  • Value For Money

My skills as a beauty therapist are second to none, in my opinion. Sadly my skills at being able to arrange a personal loan for myself fall short and thats why I placed the fate of my personal loan in the hands of Zopa which was the right thing to do because they have proved why people should stick to what they do best and leave certain things to the experts.

Zopa's expertise has got me the best loan I could have wished for because it is tailored to suit me and my individual needs. Its a bit like the beauty regimes I set out for my clients. Its not a one size fits all approach for me when dealing with my clients and I didn't want it to be for my personal loan either.

Zopa seem to understand that which is probably why they are so successful. I know what it takes to succeed in business and let me tell you Zopa have got it right, although I can only speak from my own experience of dealing with them.

Review posted by Claudette T., Highbury

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  • Ease Of Use
  • Value For Money

I had wanted to replace my vehicle for some time but could not seem to find the right bank to do so. A friend pointed me in the direction of Zopa and suggested I give them a try. I looked at their website and became quite interested in what they had to say about themselves. I also checked out the repayment options and amounts after putting in a loan amount.

I liked the fact that you could make early repayments without no fees attached. I completed the application but did have a few things I needed to clarify. So I spoke to their customer service who appeared very efficient and informed. I continued with the loan application and was very pleased when they responded positively. It took just a few days and I had the money to buy my car.

Review posted by R. Walden

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  • Flexibility
  • Ease Of Use
  • Value For Money

Life is all about compromise according to some people. But personally I think there are certain things you shouldn't have to compromise on if you can help it.

Taking out a personal loan for several thousands pounds is one of those thing as far as I am concerned and that is why I went to Zopa for my loan. Their ethos of peer to peer lending is the right approach to borrowing money and I feel confident that the loan they have just secured for me is the right one for me at this present time.

I have already recommended Zopa to several of my friends and I wouldn't have done that if I didn't have complete confidence in them as a responsible loan provider.

Review posted by Ethan Dewsbury

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  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a loan a short while ago and approached a company called ZOPA because I was told they were the most flexible company to use.
The personal loan was applied for online and their requirements were that you have a positive credit score and that you can afford to make the repayments.

In my case the loan I asked for was £6000 and the loan agreement was signed with me electing to pay over 36 months. Of course early repayment can also be done. The good thing is that the rate is fixed and the whole process was simple with very little red tape.
I will certainly use ZOPA again.

Review posted by Sean Gladstone

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  • Flexibility
  • Ease Of Use
  • Value For Money

I wasn’t sure I’d be accepted by the high street banks because I’m self employed and wondered if they’d all be a bit reluctant to lend to me. It’s not that my business isn’t doing well, but sometimes banks like a secure, stable income (don’t we all?).
So I saw adverts for Zopa on Facebook I think, and looked them up online. I liked what I saw. They’ve won awards- winning “most trusted lender” four years on the trot which is just exactly what you want. It’s also peer to peer which I felt might be good for me. It means you get matched to an individual instead of a bank, and get the money from them -I reckoned I’d have more success with that, given my situation.
So I gave it a try and they came up trumps. The interest rate I was given was even lower than other places, and the process was easy and fairly quick- I got the money in a few days after approval. I was so pleased and relieved. It can be a stressful process applying for a loan, especially if you’re a bit doubtful you’ll be accepted, but Zopa made it easy.
You do have provide proof of 3 years worth of addresses, but that wasn’t a problem for me as I’ve lived in the same place for about 15! I’d really recommend them if you’re a bit reluctant to use other banks for whatever reason. Zopa were efficient, clear and fast. What more do you want?

Review posted by Shannon Hanson

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  • Ease Of Use
  • Value For Money

Zopa was a new concept to me, it sounded like a good idea to try. I wanted to take a trip and not use my savings. I read up on their profile and thought it sounded unusual to match myself and my criteria to a lender, seemed like an ideal prospect. I wondered who they would match me with so I decided to go online and begin the process. First I put in the amount I wanted to borrow and used their calculator to determine what sort of rate I would get. The rate seemed quite reasonable so I completed the application and sat back and waited.

It was not too long before I received a response, giving me some options which were favourable. I was comfortable with the repayment amount and the suggested term of the loan. What a cool process.

Review posted by John Wade

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had heard of Zopa before I checked them out on the Readies loan comparison website and even though I had heard good things about them I felt I had to do some research myself before making my final choice of lender.

As it turns outs, the two loan companies that I had thought were possible candidates for my personal loan were not nearly as competitive as I thought initially and I got so confused with the whole process that I nearly gave up. But then I decided to just let Zopa do the work for me and I am so glad that I finally saw sense because they have just come up with the perfect loan for me and if I hadn't been so stubborn at the beginning I would have had my loan weeks ago. But I've learned my lesson and if I ever need another loan in the future I will go straight to Zopa and let them do all the hard work for me.

Review posted by Rhona Mc., Chelmsford

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  • Flexibility
  • Ease Of Use
  • Value For Money

Zopa are brilliant! They have just come up with the perfect loan for me and it didn't take them very long. I wanted to get a loan before the end of the year because I wanted to end 2015 on a high rather than being strapped for cash and having nothing to look forward to.

Now that I have my loan I can see the New Year in in style with my friends and put a deposit down on the car I have had my eye on for a while. Life is looking good for me and it has a lot to do with Zopa finding me the most competitive loan to suit my pocket and not one that is going to give me problems. That is the best feeling in the world and I would recommend Zopa to anyone who wants to borrow money and feel that way too.

Review posted by Kirk B.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was looking for a personal loan and just the name ZOPA stood out for me and when I went on line to find out a bit more about them I was pleasantly surprised at how competitive their rates were. The fact that they'd won numerous rewards pushed me into applying online for a personal loan of £6000 to be repaid over 3 years.
After their credit checks, and I do have a positive credit history, the loan was approved and the next thing was to sign the documents and the standard debit order which I prefer and the loan was mine. Very simple with the minimum red tape.
ZOPA are easily recommendable.

Review posted by Clyde Walker

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

It was nice to see that Zopa had won awards, in particular the 'most trusted loan provider' one. When you are looking for a competitive and affordable loan thats the sort of comment you want to see so I didn't need to be persuaded to try Zopa for this current personal loan that I have just taken on.

Zopa aren't confined to a one type of loan service, instead they have a peer to peer set up that allows them to source the right loan for each individual borrower. Thats how I have ended up with this really convenient and affordable loan. Its been tailored to suit me and my personal requirements and not a case of me having to fit in with the strict requirements of an unsuitable loan.

I would definitely recommend Zopa to anyone that is struggling to find the right loan for their particular requirements. They should give Zopa a try and see what they can come up with.

Review posted by Barry Ellison, Brighton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm so pleased I decided to give Zopa a try when I was looking for this personal loan. Once I had given them all my details and loan requirements I literally forgot all about the whole thing until they contacted me to say they had found the right loan for me.

I was fully expecting to read the terms and conditions and find that it wasn't quite the great deal they were claiming it to be but I was wrong. Zopa really had taken on board everything I had said I was looking for in a personal loan and come up with precisely that.

I wouldn't hesitate to use Zopa again and it goes without saying that I would recommend them to friends and family for that matter.

Review posted by Juliet B., Dulwich

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I think the best advice I could give to anyone looking for the perfect loan is to take advantage of the service that companies like Zopa offer.

If you are like me and I suspect a lot of people are, you want to get the most competitive loan that you can but don't have the time that is needed to do the proper research and comparisons.

Zopa does that for you and they probably do a much better job than any of us could do so why bother wasting hours hunched over your laptop looking for the perfect loan when you can sit back, watch the TV and let Zopa do it for you. Enough said!

Review posted by Angeline

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  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a personal loan in a hurry but I didn't have the time to spend online looking for the right deal. I spend most of my working life in my car travelling to and from different clients and even when I get home I am just too exhausted to get the laptop out and start looking. So that's why hearing about Zopa from one of my clients was probably the best bit of advice I had been given all year and thanks to Zopa 2015 is going to end with a lot of relief on my part because the loan they have just found for me is competitive, affordable and convenient. I wasn't looking forward to starting 2016 without having secured a loan and thanks to Zopa I won't have to.

Review posted by Vince

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Using the Readies loan comparison website saved me loads of time when I was looking for a personal loan. Then I saved myself even more time and probably a lot of money as well by choosing Zopa from the long list of companies advertising on that website. Once I saw that Zopa were offering a peer to peer loan service I knew I should go with them because where Readies did their job and helped me rule out the lenders that weren't offering very competitive rates, Zopa then took over and found me the best of the best through their peer to peer network of lenders. I got this great loan in a matter of 2 days and if I'd tried sorting this loan out myself I would probably still be searching instead of which I have just got my loan funds and I'm ready to start spending it!

Review posted by Daniel Arcourt, Leyton

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Because I am not very patient with certain things and have a busy job that doesn't give me a lot of free time I decided to make the task of finding an affordable personal loan easier by using Zopa. A friend of mine used them to get her loan and she said they came up with a great deal for her and she didn't have to spend ages doing all the comparison work with other lenders. Zopa do that for you and find you the best deal from the many peer to peer lenders they work with. So it was a bit like a team effort finding this loan for me which I like the idea of because like Zopa I'm a good team player and believe you get the best when you join forces and I certainly have with this great loan.

Review posted by Kathy Ecclestone, Derby

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Zopa's peer to peer loan service is the main reason I went with them for this personal loan. I was anxious to get the most affordable and competitive loan possible but I knew it would require a lot of work if I were trying to do it myself. For a minimal fee Zopa did the job for me and did it very well. I doubt I would have been able to put together such a great loan package by myself and by calling in the experts and letting them do the job for you means you are pretty much guaranteed to get the best deal that is available. I'd definitely use Zopa again and wouldn't hesitate to recommend them to my friends and family.

Review posted by Jon Nielsen, Haddenham

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  • Flexibility
  • Ease Of Use
  • Value For Money

I chose to go to Zopa for a car loan because of their unique idea of putting you together with a lender who best fit your profile and needs. They came up with the rate I thought they would having plugged in the amount I was thinking of borrowing, on their on line calculator. That was a pretty good tool to use because it allowed you to work out your budget and was reassuring when it gave you the repayment amount. It was also good to know that you could make early repayments too.

If you are thinking of applying for a loan, I would urge you to stop by the Zopa website first, you wont go far wrong in using them for your financial needs.

Review posted by Frank Lincoln

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  • Flexibility
  • Ease Of Use
  • Value For Money

When my daughter announced she was getting married it was a big surprise in itself, we were happy for her of course, but then we found out the wedding ceremony was going to be in a far distant land. There was no way we were not going to be attending so my husband and I sat down and came up with the idea of getting a loan to cover the expense of the trip.

Where to begin to research a lender. My cousin had mentioned to me a while ago she had a good experience with a company called Zopa so I asked her about them. She was all glowing about them and said I should definitely try them for a personal loan, so we did.

They were a really good organization to work with and we were impressed with the process of putting us together with a lender that personalized our needs with the terms we could afford.

Review posted by Sybil Spath

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  • Flexibility
  • Ease Of Use
  • Value For Money

I was doing some alterations at home and misjudged the costs and was forced to apply for a personal loan to complete the work.
I looked online and tried to find the best deal and quickly because I needed the work completed before the Winter.
I must admit I saw quite a few that looked good but the one that caught my eye was ZOPA.
Their rates were good. They seemed more flexible and they offer fixed rate loans.
I went online and filled in the loan application and asked for £6000. I also asked to pay back over 3 years and after checking my credit rating the loan was approved. Very soon thereafter I had the money and really appreciated ZOPA's promptness.

Review posted by Brandon Maguire

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  • Flexibility
  • Ease Of Use
  • Value For Money

I needed to re-roof the house and fairly urgently but the funds were not available, the only way to go was to find a lender who would work with me. I had looked on line at different banks and financial institutions and was not too happy with all the criteria you had to meet before they would qualify you for a personal loan. Then I found Zopa. When I read that they find you a lender that would meet your needs and look at you on a personalized level, I figured I should give Zopa a try.

I was qualified after submitted an application and very happy with the terms that were offered. I had used the on line calculator so had an idea of what the interest rate and repayments would be. What a super outfit, and so quick too. You should give them a try if you are looking for a loan.

Review posted by Bob Boston

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A while back I was looking for a personal loan to replace my car.
Although the dealership did offer me a line of credit I thought I could do better elsewhere and started looking around.
I took a friend's advice and applied online for a personal loan of £8000 and requested the 3 year repayment plan.
I furnished them with all the details they needed regarding residence and finances as well as employment details and the loan was approved.
Just a little burocracy followed and the money was in my account.
Their loans are so flexible and they are really efficient.
I would recommend ZOPA anytime.

Review posted by Charles Beresford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

What a great service we have just got from Zopa. They have taken all the hassle out of finding the right loan and dealt with our request in an amazingly short period of time. we thought we might be waiting weeks to get a result but it has only been a matter of days. It's all happened so fast we were caught on the hop and hadn't got the tradesmen lined up and ready to start the work on our basement renovation.

We really need to get a wriggle on now and get them started on the work before we change our minds and blow the loan money on a Caribbean cruise which sounds absolutely divine at the moment as I am sitting here typing this review while it's chucking it down outside for the fourth day in a row!

Review posted by Mr & Mrs Adams, Highgate, London

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  • Ease Of Use
  • Value For Money

I researched on line different companies and banks to see what they needed if I applied for a personal loan with them. There are so many lenders out there it was hard to find the right one. I found a website called Readies that did the research for you, I wish I had found them earlier, it would have saved me some time. Zopa stood out for me in Readies list and seemed like a good fit. They find you a lender that best suits you and your personal circumstances.

I wanted to consolidate some debts and just have one payment and one interest rate, so, I filled out the Zopa loan application, sat back and waited to see who they could offer me to work with. Their response was quick and I was offered a really good deal with a reasonable and affordable interest rate and payment structure. I will recommend Zopa to my friends.

Review posted by Tammy Long

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  • Ease Of Use
  • Value For Money

When I was in need of extra funds to get my car fixed I decided to turn to Zopa. I heard about them through my family GP, and I trust him very much so I just knew that nothing could go wrong, and I was so right.
Everything about the process was easy and seamless inclusive of overal transparency, the website user interface, uploads, emails, call schedules, phone calls, interaction with employees, repayment scheduling, and reminders. Helped to consolidate my credit card debt when I thought it would not be possible. Their ability to look at all dimensions of credit worthiness is game changing. I could not be happier.

Review posted by Denise Willson

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  • Flexibility
  • Ease Of Use
  • Value For Money

My friend told me about Zopa when we were discussing me getting a loan to pay for my new kitchen and bathroom. She said she found out about them from her boss and then she looked them up online and decided to use them. She's like me, too busy doing her job and running a home single handed to be able to spare the time to find the right loan so she went to Zopa and they did the job for her.

I am glad I listened to her advice about the loan because Zopa have found me just the right loan for my needs and I am going to get started on the new bathroom and kitchen as soon as I can find the time to choose the right ones. But I make a point of never listening to my friends advice about men because she is a terrible judge and always ends up with the wrong guys.

Review posted by Diandra L., Dulwich

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  • Flexibility
  • Ease Of Use
  • Value For Money

My goal is to be debt free in 5 years. Looking at my credit card interests and payment it was going to impossible to meet that goal. Applying for a Zopa loan was a no brainer. The process was easy. The members of the team were helpful. My loan was approved and the money was in my account in 2-3 days. The interest rate on the loan is lowered then my credit card rates. I have been able to significanly pay down or pay off credit cards. It was one of the best decisions I have made. I am on the road to be debt free. I was very pleased with the entire process. Every step was clearly explained! recommend 100%

Review posted by Charlotte D

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  • Ease Of Use
  • Value For Money

My father needed surgery and as a family, we did not want to see him suffer any longer than was necessary. So we decided to send him to a private hospital and we would all chip in on the cost. With kids in college I was going to break the bank on this one so I decided to try and get a personal loan to cover my portion of the medical treatment.

A work colleague had told me about their good experience with a lending institution called Zopa so I figured I would give them a try. Having pulled up the website and read about them, I was impressed with how they put you together with a lender. I was able to use their online calculator too so I knew what I was looking at for a repayment, this was very helpful.

They approved me for the loan amount I needed and it was quick in coming. I would work with Zopa again if I needed a financial boost.

Review posted by Stephen Hanks

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  • Flexibility
  • Ease Of Use
  • Value For Money

I want to start off by saying that I am not a mean person by nature, but I think that I have the right to voice my opinion in a professional manner! I heard really great things about Zopa, which made me decide to try them for a change. I applied for a personal loan so that I could treat my husband to a weekend away on a tropical island - good idea, right?

I filled out the online application for the amount that I needed and thought I would get a quick response, but that never happened! I only got a reply after two days, which was fine, but when I read the email it said that they had misplaced some of the information I had sent them. I am not an unreasonable person at all, but I would like to suggest that they jack up their system a bit. If the process works better in the future, I will consider trying again.

Review posted by Laura Williams

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  • Flexibility
  • Ease Of Use
  • Value For Money

When I started my new job, I quickly realized I would not be making enough money to cover my expenses. I needed to find a way to pay off some credit debt, but in a way that wouldn't leave me more strapped for cash. I started looking into debt consolidation or refinancing. I had been getting ads from Zopa and thought that was a viable option until I started doing more research. I came on Readies to compare similar companies and that's when I learned about Zopa. I looked into what my interest rate and monthly payment would be and was happy to learn that it was very reasonable! I quickly applied and submitted my supporting docs. A couple days later, a rep was calling me to confirm details of my materials. After the weekend, my money was promptly deposited on Monday morning. The process has been incredibly easy. I will start payments next month. Hopefully the process continues to be smooth.

Review posted by Stuart

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  • Flexibility
  • Ease Of Use
  • Value For Money

My husband and I were struggling a bit in our search to find a good loan and then we came across Zopa and we were intrigued by the 'peer to peer' description of what they were offering by way of their loans. We were also attracted to the 'most trusted loan provider'. None of the other lenders were offering this 'peer to peer' lending and none of them could boast about being a 'most trusted loan provider'.

Well it didn't take long for us to decide to give this Zopa company a try and we are very glad that we did. Because going out on a limb and using someone that we had never heard of has been rewarded with the excellent loan that Zopa have acquired for us.

We really couldn't have asked for a better loan and they way Zopa have handled our application has been exempliary. We would most definitely recommend them to other people and that is not something we would do lightly.

Review posted by Angela Ripley

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  • Flexibility
  • Ease Of Use
  • Value For Money

I am so pleased with the loan Zopa have found for me that I am taking the time to say thanks on this website. I haven't really had to give too much thought to finding the loan because once I had filled out all the information Zopa required, I was just able to leave it with them. Now I know what it must be like for my boss when he throws a load of work at me and tells me to get on with it. I am much more grateful to Zopa than my boss is to me. If I got paid a bigger salary then I might not have needed this loan so I hope my boss reads this although he probably won't because he pays himself a huge salary and wouldn't need to get a loan but if he did he would just get me to find one for him!

Review posted by Rachel Mc., Cheshire

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  • Flexibility
  • Ease Of Use
  • Value For Money

I can see why Zopa have been voted most trusted loan provider. I put my trust in them to find me the most competitive loan that I could afford to pay back over a 3 year period and they have worked their magic and come up with a really great deal for me.

I jumped for joy especially when I saw what the monthly repayments will be. They are better than I had hoped for and will be more than affordable for me. I am due a pay rise shortly so those repayments are going to be even easier for me. I couldn't have asked for a better deal so thanks Zopa I will definitely put my trust in you again if I need another loan.

Review posted by Liz O'Shea

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  • Flexibility
  • Ease Of Use
  • Value For Money

Every father's nightmare! My darling daughter was about to be wed and her mother and I wanted it to be a special day for her. One that she will remember forever.
The same way her mother and I remember our wedding day.

For this to happen we needed to make sure that money was no object. We had saved some money knowing that this day would come but my wife insisted that we take out a personal loan to make sure that everything was perfect.

We looked online and the company we felt offered the most flexible personal loans was ZOPA and that's where we went.
All done online. An unsecured loan at a fixed rate payable over 2 years meant we wouldn't really feel thr £5000 we'd borrowed.

We appreciate the help ZOPA and will recommend you to all.

Review posted by Kevin Arniston

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  • Ease Of Use
  • Value For Money

If Zopa were tailors they'd be bespoke tailors. That's what I say when I tell my friends about the brilliant personal loan I have just got from them.

I hadn't heard of them before looking on the loan comparison website but I was impressed with their profile and what they were offering. They were just the sort of lender I needed to find because I don't have a very good head for finance and I will usually try to rope one of my banking friends into helping me.

Now that I've discovered Zopa I don't need to rely on the friends as much which I think they are all a bit relieved about and I am too because it was costing me a small fortune in drinks every time we were in the pub.

Review posted by Fraser H., Hampstead, London

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  • Flexibility
  • Ease Of Use
  • Value For Money

I was on the market for an unsecured loan. I needed £8000 to do some refurbishing at home. My wife said a bit of a face lift at home will cheer our spirits. We went online and ZOPA stood out because they were really flexible.
I liked the idea that we could plan the repayments over 4 years but if we came into money we could settle the debt earlier and there'd be no extra costs.
We applied online and it was all taken care of very promptly.The loan was approved and after the normal burocracy and credit checks the money was deposited into our account.

ZOPA are special and I will certainly use them again.

Review posted by Henry Miller

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  • Flexibility
  • Ease Of Use
  • Value For Money

I had an idea to upgrade my car and obviously needed a personal loan. I'd just changed jobs and was thrilled because the salary was much improved.
The car I had was pretty decent and the new car was in the region of £15000. The dealership offered me £5000 as a trade in which meant that I would need to come up with £10000.

I searched on line and looked for flexibility and applied online with a company called ZOPA. They carried out their credit checks and confirmed that the instalments would not be defaulted on and approved the loan. I opted to pay back over 4 years and really liked the fact that the loan had a fixed rate and if I was ever in a position to settle earlier there would be no charges.

In a matter of a few days I had the money and the car and I must admit if it wasn't for ZOPA I might still be driving the old car.

Review posted by Daniel Wasmuth

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  • Flexibility
  • Ease Of Use
  • Value For Money

Getting a personal loan through Zopa took the hassle out of it for me. They do everything for you once you have given them all the information and apart from that they have won awards for being most trusted loan provider. So what else do you need to know about them. Provided you can comply with the requirements they specify you can then just sit back and wait for them to come up with a loan that suits you. If you're not happy with it you don't have to agree to it and it won't have cost you anything. But I was more than happy with the loan they got for me so I really don't think Zopa will let you down. Its certainly worth giving them a try.

Review posted by Nancy Allen, Guildford

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  • Ease Of Use
  • Value For Money

If I had a pound for every time someone called me Nora I probably wouldn't be needing this personal loan. My usual retort when I'm greeted with this name is to say if you're old enough to remember Last of the Summer Wine then you're probably of pensionable age. That usually shuts them up!

However the point of this review is to say how pleased I am with the great loan Zopa have found for me. I came across them on the Readies loan comparison website and liked what they were offering in terms of peer to peer lending. For me that simply meant I would have more chance of getting the right loan to suit me than if I had just gone to my own bank or one of the other high street lenders who all seem to offer the same type of inflexible loans.

I made a good choice with Zopa because the loan I have just been given is coming with all the factors I was hoping for, competitiveness, convenience and affordability. I think even fussy Nora Batty would have been pleased with it!

Review posted by Jennifer Batty, Macclesfield

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  • Ease Of Use
  • Value For Money

I am very pleased I used Zopa for my personal loan. They really have come up with a great loan for me. The rates are fair and the repayment schedule suits me to a tee. I couldn't have put together a better loan myself if I'd had the time. I didn't have the time which is why I went to Zopa in the first place and they really are a great company to use if you have a busy life that doesn't give you the time to spend on something as important as finding a competitive and affordable loan. As long as you can spare the time to give Zopa all the information they need, they'll do the rest for you and you should end up with a tailor made personal loan like I did.

Review posted by Paul J Buckhurst, Leyton

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  • Ease Of Use
  • Value For Money

I needed an affordable loan to help towards my daughters wedding and I already knew my bank weren't going to be an option for me. I didn't have the time needed to look properly for the best deal so when I came across Zopa on the loan comparison website I decided to pass the buck and give Zopa the job of finding me the most competitive loan they could. The hardest part for me was just giving them all my details and requirements which took all of 10 minutes. They took over and before I knew it they were getting back to me with a loan option that I didn't have to think too long and hard about. It probably took even less than 10 minutes and that included going over the terms and conditions 3 times before agreeing to the loan. I really can't fault the service I have received from Zopa and I know who I'll be going back to if I need another personal loan.

Review posted by Mick Jones, Gillingham

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  • Flexibility
  • Ease Of Use
  • Value For Money

I did my search for a competitive loan during my lunch hour and with the help of the internet and in particular the Readies loan comparison website I had completed the task and found Zopa who were going to do the rest for me. They offer a peer to peer type of loan which means they have much more options to offer you. I didn't have to use up my whole lunch break and furthermore by the time I was clocking off I had heard back from Zopa with the offer of a loan that suited me perfectly. I waited until I had got home and sat and read through all the terms and conditions of the loan Zopa were offering and this morning I made my decision and accepted the loan Zopa had found for me. I have to give Zopa 9 out of 10 for this and it would have been a 10 if the interest rate had been just a fraction lower but I am still very happy with this loan and would definitely use Zopa again.

Review posted by F. Gilligan, Tilbury

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  • Ease Of Use
  • Value For Money

Zopa is a loan company that works slightly differently to many of the other similar loan companies in which it competes against. The idea of peer to peer lending is good, in theory, but is often not the best solution in practice in the real world.

Due to the nature of the loan, being that you are loaning from somebody else, there are a wide range of security checks that must first be carried out in order to make sure that the loanee will pay the loaner back. In theory, this is a very efficient way of doing things as it cuts out the middle man, however, there are some problems with a Zopa loan.

A Zopa loan could take a very long time in order to come through. This is because on both sides of the equation there needs to be vigorous tests to make sure the loan amount is correct and that both parties are going to honour the terms and conditions of the contract that is set up.

It is much quicker to use a large company, like one of the supermarkets if you are in need of your loan quickly, which most people are. Additionally, for those people who are looking to pay their loan off quickly, lets say over 12 months, Zopa has a minimum loaning period of 24 months, which does not allow you this option.

On top of this, their representative APR is also much higher than many other large companies that offer similar sorts of loans.

Review posted by Melissa Wyatt

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  • Ease Of Use
  • Value For Money

I have never been in debt or in need of a loan. My mother got herself in a sticky situation. My dad left us all his inheritance so you can imagine that money was not a problem for us. After a few years, everything started going wrong. We went from a 100 to a 0 in less than a month, and that affected me alot psicologicly. She had got the gambling bug and gambled every penny that we had and we didn't have, so basically she got us in debt, but I just knew I couldn't afford to pay even half of it, not even with family help it wasn't enough. even though she left me in a crap situation, she's my mum and raising me as a single mum because my dad died when I was young made me think how much she did for me, but at that point I was a nervous wreck. One day when I was doing my daily shop I met an old friend of mine who informed me about Zopa loans and I was impressed how much they supported me and fully understood my situation. The gave me the funds I needed to clear off her dangerous debts and they gave me a great apr rate. I highly recommend!

Review posted by Bobby V

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  • Ease Of Use
  • Value For Money

As a web designer, I can appreciate when a company provides it's customers with a usable, flaw-free website (especially when it is a place you need to fill out an application). I didn't find any issues with the site, and couldn't have been happier with it. But I didn't receive the lowest of low interest rate. I've seen slightly lower ones elsewhere, but the difference is very minimal, so I went with Zopa for my personal loan. The employees are courteous and super helpful and the interest rates are wonderful! I consolidated some high interest credit card loans, and I am going to save a bundle thanks to Zopa. They obviously care about their customers and not just themselves, and that is so refreshing nowadays.

Review posted by Jessie J.

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  • Ease Of Use
  • Value For Money

When I was looking for a lender to buy a car I discovered this really cool website, Zopa. I had not heard of any lender before that matched you personally with a borrower. How unique is that I thought. They sounded like they treated a person like an individual, and approved you on your own merit. I just had to give them a try for a personal loan.

When I applied on line I found that there questionnaire was fairly lengthy but simple to understand. I could see why they needed so much information. I submitted the completed form having used their loan calculator, which gave me a good idea of the sort of terms I might be offered, if I was successful.

I was successful, they offered me a really good rate and terms of repayment which I readily accepted. I was very pleased that I asked Zopa for a loan.

Review posted by Ted Smith

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Good company with a great business model. I am surprised there aren't more companies like it. I didn't think I would use this function, but I actually did do the skip one payment a year this first year so that I could put the money into Christmas. It was really handy. This company does convenience for the customer really well! Some places can't seem to get together a good website that functions well and allows you to see your loan at a glance, including how much you owe and what you've paid. I'm so glad that Zopz is the exception in this area. It is great to be able to log on any time of the day or night and see where I'm at.

Review posted by Mara V.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After looking into personal loans with my bank, it was clear that I'd have to go a different route. The 17-18% APR was out of my range, and I really didn't want to struggle with the payments every month. A web search turned up Zopa, and it's been amazing ever since. The reps at Zopa make the application process incredibly easy, and the interest rate is much, much lower than my bank. I haven't had any issues, and I would recommend them to everyone, since students to the elderly, they just don't see you as a customer, they see you as a person! Incredible service, and incredible flexibility... Well done!

Review posted by Joe Jonas

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I picked Zopa out of a list of lenders because I really liked what I read about their process. I was impressed that they put you together with a company that would suit your needs. This seemed a very personal thing. I needed to pay off some small loans and wanted to consolidate the amounts into one payment.

I went on line to the Zopa website and took a gander at their forms and I found the loan calculator especially helpful. I filled in the amount I needed and tweaked it until the terms were doable for my pocket. I appreciated being able to do this. I completed the forms and submitted them for a decision.

I did not have to wait too long before Zopa came back with an answer, they offered me the amount I wanted to borrow and had found a company that offered really good rates. I was really impressed with this company. I would use them again.

Review posted by John Randle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm a bit of a stickler when it comes to money (you could call me frugal). As a college student, I only work part time, and needed money for a down payment on a car. I vigorously looked around for the best interest rates with personal lenders, and Earnest is definitely the best that I've found. I'm not overwhelmed by the payments, and they are completely reasonable for me and my current income. I absolutely love how this company checks more than your credit score. I was happy to discuss things like my education, knowing that that info could help me get a loan or a better interest rate. I was also really excited when they approved me for more than I had asked for at a great rate!

Review posted by Chester Dowie

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I saw that Zopa considers more than the standard criteria when deciding whether to loan you money, I applied right away. The fact that they use real data to analyze your finances and then give you a loan offer based on those results told me that this is a forward thinking company that would give me the money I need. I liked how my rate was personalized based on my financial profile. They say they have no hidden fees and there weren’t any. I also like the fact that I can skip one payment a year and build it into the other payments. That really helps. I highly recommend this company, give them a try... I'm sure they'll have the right solution for you!

Review posted by Una Peterson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Having watched most of the Aussie Open tennis from my armchair and being totally tennis crazy I had already decided that some of the French Open LIVE was certainly on the cards and also wouldn't cost as much.
A small personal loan would see me through comfortably.

Online I discovered ZOPA and what I really liked was the versatility and flexibility of their loan. Also it had a fixed rate which makes all the difference when paying off over a longer period.

After the usual credit checks which is the norm my loan of £3000 was approved as well as my request to repay over 2 years just so that I wouldn't be under any pressure.

I soon had the money in my account and now a bit of discipline is needed to make sure I don't spend the money before the event.

ZOPA are great!

Review posted by Martin McCormick

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had a pretty good credit history and paid my bills on time, however, my credit card balances were not that healthy and they needed to be paid off. I am not sure how they got that high, its easy done I suppose, but I needed to do something about them as the interest rate had just gone up again.

I looked on line at different lenders who had varying conditions and interest rates. I came upon Zopa in the list of lenders and was impressed with the somewhat personal touch they seemed to be providing.

I decided to give them a try as I met the criteria they asked for. I went onto their website to learn more about them and felt pretty confident that I could be approved by them. I filled out the application and used the calculator to see what sort of rate I might get. If I was approved, the rate was better than the cards I was paying. They did approve me and the rate came back just as I had calculated. Great outfit Zopa, I will tell my friends about them.

Review posted by Bill Sewell

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My father was terribly sick and I have to turn to lending institutions for the money to take care of his sickness. Since I do not have enough money on hand, I have no alternative than seeking a personal loan. I wanted a low APR and flexible terms. I do not have any idea of how to go about it until my uncle referred me to Zopa. 

I did a review of the bank to have an understanding of their lending processes, especially their APR and repayment conditions. I was impressed about what I read about them and decided to give them a trial. My application was for a loan of £10,000. I filled out the forms online. It took some minutes to fill and upload the forms to their website. Immediately after submission, I got a response that my application was approved. I received the agreement papers few days after I signed and submitted it.

The amount money reached my account three days after. I have every reason to be impressed with quality of services I received from Zopa. First, their APR is among the cheapest. Their customer service is excellent. Most interesting thing about them is the provision that I can make an early repayment without paying additional charges, as was the case with many lending institutions in the country.

Moreover, the repayment period is flexible ranging from two to 5 years. I have a true value for the money. I recommend them for their excellent services.

Review posted by Charlie Ball

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I loved how easy applying on Zopa's site was. It was definitely created to be easy to use for people who aren't the most tech savvy. My only complaint is that it took a little longer than I expected to get my loan. My friend recently took out a loan, and got her within 24 hours. Mine took about 3 days. Luckily, I didn't need the money right that second, so it worked out in the end. The way this company has the interest rates set up according to the term of the loan makes so much sense. I absolutely love it! I took the shorter loan time, because I want to get it paid off quickly anyway. They were so accomodating, too. So often you feel like you are strung over a barrel and take whatever you can get when you get a loan, but that's not the case with Zopa! Bravo!!!

Review posted by Sasha Peterson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

What would you do if somebody told you to make a sizeable loan from a company called ZOPA? I think you would do exactly what I did. I made sure that they existed and then filled in an online appliucation asking for a personal loan of £6000 and also to make the repayments by way of a standing debit order over 24 months. There were certain checks that they carried out to prove creditworthiness and then the loan was approved .

The two things that I appreciated were firstly that the loan was unsecured and secondly the instalments would be the same for the duration of the loan.
Without much red tape the funds were made available and I found ZOPA to be really professional and on the ball.

Review posted by Max Matheson

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  • Ease Of Use
  • Value For Money

I had planned a really cool trip with some friends but the funds I was going to use did not appear when they were supposed to. There had been a delay in the solicitor's office and I was supposed to pay the deposit within a short time. I needed to get my hands on some cash and figured the only way to do it, was to get a personal loan.

My friend sympathized with me on my dilemma and told me about a company that her brother had used to obtain a loan. She said it had been an easy task for him and he got his loan approved really quickly. Zopa was the company and that's how I came to use them.

I had a really good experience using Zopa. They approved my loan and I received the money fairly quickly. The application process had been easy like she said, and as I was only going for a short term loan, I got a really good rate of interest with from the lender they matched me with.

Review posted by Jenny Jones

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am a young 24 year old man who needed to borrow £7500 from a bank or institution that inspired me confidence and that would not charge me heaven and earth for the loan.
I settled for Zopa as they appeared to be reliable and have a good name and also as I did some research on them and was satisfied.
I applied for the loan on line which I found to be easy to do and quick.
I was granted the loan and am now paying less than £250 over a period of 3 years.
One of the best deals I could find.
I don´t earn a fortune but I do earn more than the £12000 annual minimum that they require.
I will pay the loan back comfortably by applying over 3 years.
They were professional.Great!

Review posted by Jesse Mac Donald

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My grandma is 83 years old and doesnt see so well anymore.
She loves to watch TV and its where she spends most of her day on the sofa.
It occured to me that she would appreciate a nice big plasma for Xmas rather than the small old TV.
I did not have enough cash so went on line to readies.co.uk looking for the best bank to apply to, for finance.
After long consideration I went with Zopa.
As its my first ever application I expected the decision to take maybe a week or so, but was surprised when the answer was given in 48h..followed almost immediately by the cash.
Im impressed and can recommend them based on my experience.

Review posted by Mathew Peters

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had been in a car accident a while back and hit my face pretty badly. I needed a lot of dental work done and although the insurance picked up most of the expense, I was still out of pocket for the present. I was expecting a further claim to be paid, but it was taking a while to come through. I therefore needed a short term loan from someone to get this work finished as soon as possible.

I went on a recommend from a work colleague who introduced me to Zopa. They said they had obtained a loan from them before and they had been pleased with the service they had received.

I looked at their website and felt I met the conditions they asked for, I liked the idea that they found you a lender who would work best for your needs. I also liked the calculator so you could see what sort of payment and interest you might be offered. They found me a lender that offered me a very good rate and I was approved in a short space of time. This was great and very timely, I was able to get the dental work done pretty quickly. Thanks Zopa, good work.

Review posted by Linda D.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Its Xmas soon and we want to beat the Xmas mad rush.
As cash is not exactly flowing at present, we opted to borrow some cash from Zopa.
It will be the 2nd time that we borrow from them, but as the first time we had a good experience, with no unexpected fees or extra costs, so it seemed smart not to try another company.
Again our experience was good and they were professional.
The application procedure was straight forward and the interest rate acceptable.
My wife insisted on sticking with Zopa as they seem to be uncomplicated and the interest rate is fixed.
Pleased.

Review posted by Jose Fernadez

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My name is Franco and I am an Italian citizen, however I am a UK resident, having lived and worked in the UK for the last 5 years.
For the first time since I am in the UK I needed to take out a personal loan.
I tried Zopa...I flicked a coin really...as there were so many banks offering loans, so took a chance 5 months ago when I was in a difficult spot and needed £3000.
Zopa asked me for proof that I had lived and worked here all this time and for proof of my salary which is over £18000 per year.
After I applied they granted me the loan and I was told the installments would come off my bank account monthly.
I am here to say that I have now paid 5 installments and everything has happened the way they stated with no extra charges.
I´m very happy and want to share this information with others.

Review posted by Franco Caprari

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  • Ease Of Use
  • Value For Money

My name is Lorna and Im a retired lady.
Lately Ive had lots of backache and struggle to sleep.
My next door neighbour has advised me to buy a top quality matress, like hers,as she claims she used to also suffer terribly but since sleeping on this new one she has improved immensely.
I tested hers and felt I was on the clouds.
£2000 however is too much for me , so my son helped me to apply for a loan via the computer with Zopa.
He requested that I pay it back in 3 years.
I was amazed that he made it look so simple all on the computer and even more amazed when they approved the application in 24h.
In my days we had to physically go to the bank.
Times sure are changing.Tks son for helping me and thank you Zopa for saying yes to an older person.
I´m reliable. I´ll pay.

Review posted by Michelle Blofeld

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  • Ease Of Use
  • Value For Money

Confusion was the first word I could think of when I needed to apply for a loan and found dozens of lenders giving this service.
I was totally lost.
My decision to approach Zopa was made when I read that Zopa had received many awards, one as, the " most trusted loan provider" for 4 years running.
This made me opt for them.
I wanted to buy new furniture for my apartment and asked them to provide me with the needed £4000.
I earn a decent salary, am 33 years old and have no debt apart from my car which is almost paid up.
They must have checked all this out as they gave me the loan extremely quickly.
Ill be paying it off over 2 years.
The rate is fixed so I´ll get no surprises.
They seem to be fair, so I hope not to be disappointed.

Review posted by Charles Denver

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  • Ease Of Use
  • Value For Money

My boyfriebd and I have been toying with the idea of getting engaged.

Finally he surprised me with a lovely engagement ring and popped the big question at a family dinner.

I was astounded that he had found the money and insisted in asking where from.

He told me that he had applied for a personal loan with Zopa and assured me that I should not worry as the £1000 loan would be paid back in 12 months, before we were married.

He also told me that his sister had used this bank before,and they were trustworthy, not charging crazy interest,neither extra fees.

I guess if they dont rip us off we will consider asking for a loan with them again when we get married too.

Review posted by Nicola Wishart

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Zopa seemed like a good loan provider to me when I did a thorough investigation of what they offered and when I compared them to dozens of other loan providers a few months ago.

They had a good name, awards and seemed to be judged by many, to provide high quality service, so myself and my wife felt they were probably one of the best bets on the market.

We needed to borrow £20 000 as a personal loan as we were doing renovations to the kitchen and bathrooms, so wanted a bank that gave good interest rates and quality of service.

In the end we took the plunge with Zopa.

They checked our credit rating and our personal details and they approved the loan over 5 years.
The interest rate is fixed so we know exactly how much we pay monthly.

If we want to pay extra at any time we are not charged any extra fees so we are delighted.

Absolutely no complaints so far and we have been paying for now 4 months.

We can tell others that are searching that Zopa has been straight with us so far and I hope they always will be.

Review posted by Sam Walsh

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  • Ease Of Use
  • Value For Money

I am Samantha and my passion is shopping.
I spend almost my whole salary on clothes, make up and jewellery.
Fortunately I live with my parents so do not have many living expenses apart from the installment of my car, so I´m able to dress well and follow the latest fashion.
It is almost Xmas and I just can´t resist buying lovely clothes as gifts.
I know I will lose my mind, so I will need more money than I have aside and thus, last week I asked Zopa for a £1500 loan.
I said I would pay them over 2 years but I will try and pay them quicker as they allow us to make extra payments whenever we wish, with no extra fees.
I intend to pay it back before next Xmas so that I can borrow again then, if I need.
Zopa were very nice and said yes to my request so I´m excited to be going this week to shop.
Its nice that we have in the UK institutions like this!

Review posted by Samantha Burns

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  • Flexibility
  • Ease Of Use
  • Value For Money

The reason why I decided to request a loan of £4000 from Zopa, is because of their policy that at anytime I could pay the whole debt off, if I ran into unexpected funds.
This was reassuring as normally banks charge you a penalty fee and Zopa clearly stipulated that they didn't.
After all we do have our house on the market and if it sells for the amount we want, I will be able to pay the total outstanding on the loan, so to me this was one of the most important factors.
I applied on line, they obviously must have done a credit investigation on me, which must have been positive, as it was approved.
I'll make the payments over 24 months if our house doesnt sell before then, but I'm confident it will.

Review posted by Andy Burns

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had never heard of Zopa.
Its not a household name or anything, so I almost overlooked them when I was trying to pick the best loan company for me.
However after checking out about 5 others, the name caught my attention and I decided to read what they had to offer.
I was only looking to borrow £5000 to give my son as a 21 year old present, so that it would help him buy his first car, cash.
I noticed that Zopa allows their borrowers to pay off the loan before the due time if they so wish, and as I may sell some shares next year, this may be a possibility and I wanted to keep my options open.
This delighted me.
I applied , they asked me some questions and to provide some documentation.
It was agreed that paying over 4 years was comfortable for me , so that is how it went down.
They are very professional and that is important.
Good work.

Review posted by Maria Savage

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm Barbara and I'm a hairdresser.
I have worked with someone who has become such a big friend it feels like she is my family.
Her husband left her for his lover and my friend was suddenly alone in a house she could not afford to pay.
She wanted to move to a smaller apartment with her kid but it meant rent as well as buying some new furnisher.
She can afford it from January onwards but can't right now....so I decided I would ask for a personal loan of £2000 and Ill pay the first few months and in January she gets her own loan I pay this off , as Zopa allows this with no penalties, and this way I'll be doing my friend a favour.
I'm very impressed with the fact that this is allowed, something I never saw advertised elsewhere. Furthermore Zopa's interest is more or less the same as at other institutions, so all in all, they offer a fair deal in my opinion.

Review posted by Barbara Toweel

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  • Flexibility
  • Ease Of Use
  • Value For Money

I have just taken out a loan with the AA and have been fairly impressed with their service overall.

I applied for the loan online in response to an email they sent to me. I have been a customer of AA breakdown for several years now and am on their customer mailing list.

I didn't have any problems applying for my loan and will qualify for free AA breakdown cover next year as a result of taking out the loan. The rate of interest charged is a competitive 4.3%APR, which ranks among the top rated loans at this moment in time. My loan repayments are fixed for the whole term of this loan, so I don't anticipate any problems in future and am happy that I was able to take advantage of the special offer on breakdown cover.

In all, I would say this is a fairly good offer from a trusted company. If similar offers are available in the future I might use AA Financial Services again.

Review posted by Riley Bentley

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  • Flexibility
  • Ease Of Use
  • Value For Money

I took a loan out with Zopa a few months ago and was very happy with the whole lending process. I was intrigued by the Zopa peer-to-peer lending policy, so when I needed a loan for my new car I applied to them.

I found the online application process a simple matter and was pleased to learn I had been accepted for a loan at the best rate of 4.8%APR. I was a little disappointed that I had to pay a fee of £90 to take out the loan, however as they do not make charges for early loan settlement it is acceptable. I borrowed £10,000 over the maximum term of five years and I intend to repay this loan at the end of the year when one of my investments matures. As I won't have to pay any early settlement charges the loan will have worked out at a reasonable charge for short term borrowings. I currently pay less than £200 per month for the loan, which is quite affordable. When my investment matures and I repay the loan in full I will have paid seven months interest plus the fee.

All in all, I'm happy I got a good deal with this loan and I would definitely use Zopa again if I need money in a hurry.

Review posted by Elise Ashton

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  • Flexibility
  • Ease Of Use
  • Value For Money

If I'm honest, I still don't really understand how the Zopa peer to peer lending works. But what I do know is that I am not very good with stuff like this but when I wanted to borrow some money recently I knew how much I wanted and more importantly, how much I could afford in monthly repayments. I didn't give the APR too much consideration because s long as it was within a percentage either side of the 4.5% that some of the online lenders were quoting that would be good enough for me.

That's why I chose to get my loan through Zopa, I told them what I wanted and they took on the job of getting it for me and I have to say it seems to have worked out very well for me. One day I will take the time to sit down and read a bit more about this peer to peer lending but in the meantime I just want to thank Zopa for doing all the hardwork for me.

Review posted by Jim

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  • Flexibility
  • Ease Of Use
  • Value For Money

I used the services of Zopa to get my personal loan and I am very glad that I did because I really don't think I could have done such a good job myself in getting the loan that was right for my personal needs. I was going to ask my son who works in banking but he is always so busy and too tired when he gets home. I didn't want to bother him.

He was rather put out when I told him Zopa had found me the perfect loan and I did have to smile to myself because whenever I have asked him to do the simplest of DIY jobs around the house I end up having to pay some one else to do it and when he finds out he pulls that funny little 'hurt feelings' face when really I know he is just relieved someone else has done the job for me. Secretly I think he is very grateful to Zopa as well.

Review posted by Doreen Foster

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  • Flexibility
  • Ease Of Use
  • Value For Money

A work colleague recommended using Zopa when I told him I was looking for a personal loan but didn't want to go to my bank. He said he was in a similar situation and had managed to get a very good loan with the help of Zopa's peer to peer lending system. I had never heard of this type of lending before and was a bit unsure about it until my colleague showed me how to check Zopa out before committing myself to anything.

I am so glad I had that conversation with my colleague because after a very quick lesson in how to use the Zopa loan calculator I went ahead and made my application through Zopa and they have presented me with a first class personal loan that is just right for me.

I shall be recommending Zopa to my friends but I just hope they don't ask me to explain what peer to peer lending means.

Review posted by Nelson P.

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  • Ease Of Use
  • Value For Money

Zopa may come last in the alphabet of loan companies but as far as I am concerned they are No.1 when it comes to getting the best possible loan without the hassle and frustration of doing all the comparison work yourself.

Not using a company like Zopa to find you the ideal loan is a bit like having a calculator and still using mental arithmetic to add up a load of numbers, why would you?

So for what it's worth I would recommend Zopa to anyone that has been spending hours on the internet looking for that elusive ideal loan. Trust me they really do seem to know what they are doing so just give them a go. I don't think you'll be disappointed.

Review posted by Kez

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  • Ease Of Use
  • Value For Money

Zopa didn't let me down. They said they would get me the best possible loan that met all the requirements I gave them and sure enough they did. And it didn't take them very long either. I started my search for a loan at the beginning of the month and after a fruitless search I went to Zopa and put my trust in them. I needed the loan before Christmas and I was relying on them to succeed where I had failed.

I have been so impressed with the way Zopa have handled my loan that I have recommended them to a number of my friends most of whom had never heard of Zopa before so I hope that has helped to give Zopa a bit of free advertising.

Review posted by Mitch F.

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  • Ease Of Use
  • Value For Money

Using Zopa for the first time I wasn't quite sure what to expect. But they have done a marvellous job in finding me the perfect loan and it was all achieved within less than a week. I know it would have taken me twice as long to just get around to browsing through the loan comparison websites.

Zopa is obviously offering their services to people like me who don't have the time to search properly for their ideal loan. Using Zopa is a bit like using the services of a personal shopper and I think it is a really good concept and one that I will definitely use again if and when I need another loan.

Review posted by Victoria Avery

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  • Ease Of Use
  • Value For Money

I am very very happy with the personal loan Zopa have arranged for me. I couldn't have done this myself because I am not patient enough to search all the websites to find the best deals. I'm an impulsive person which has got me into trouble on loads of occasions. I could not afford to be impulsive with this loan much as I needed to get it sorted quickly.

That's why Zopa were such a great find for me. I didn't know about them until a friend told me and I suppose if I'd bothered to look on the internet I might have found them myself but there are no guarantees that would have happened because as I said, I impulsive and if Zopa were listed alphabetically there's a good chance I would have given up looking long before I got to their name.

Zopa really are the best company to go to for people who want the best loan but don't have the time or patience to find it themselves. Maybe Zopa should switch their name around to read Apoz then maybe they'll get discovered quicker!

Review posted by Ann Dolland

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  • Ease Of Use
  • Value For Money

Thank you Zopa you have taken an almighty weight off my shoulders by arranging this personal loan for me. You've managed to put together the perfect package for me and you have taken all my requirements on board when arranging this loan.

I couldn't have done a better job myself if I had a mountain of time and knowledge at my disposal. I am glad there are companies like Zopa because without them people like me would end up with loans that weren't right for them and they wouldn't find out until it was too late.

I will definitely be recommending Zopa to family and friends and it's the least I can do for them after getting this great loan.

Review posted by Colin Gates

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  • Ease Of Use
  • Value For Money

When it comes to taking out a loan, its quite the chore. There are so many lenders out there with varying conditions and terms, it gets harder to chose. So I had to do some real indepth research. It was worth it however, because I found Zopa and I liked what I read about them. They look at your financial situation and circumstances and put you together with a lender that will work best for you.

I wanted to purchase a new car and go to the dealership with the money available, together with my existing vehicle to trade. I looked at the calculator which Zopa provide on line and came up with the possible loan amount. I did not want to exceed my budget on the repayments.

Zopa was brilliant to work with and they found a lender for me that approved me for the loan I wanted. Super company to do business with.

Review posted by Jeff Ridgeway

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  • Ease Of Use
  • Value For Money

Zopa has a good reputation and I found them to be a very professional outfit. I asked them to consider me for a personal loan as I wanted to consolidate some debts. I think they are kind of unique in the way they work, putting you together with a lender that suits your circumstances, very creative.

I particularly liked the idea that you could make early repayments too without having to pay a penalty. I was delighted when I was offered a loan as the terms were really good and affordable. The reader might give them a try, they wont be sorry.

Review posted by Steve Ballard

  • Customer Service
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  • Ease Of Use
  • Value For Money

I am glad that I chose to go with Zopa for my personal loan. It was a bit like finding a very good short cut on an otherwise arduous journey! I might sound a bit melodramatic but when you have a busy, demanding job but need to find the time to search for a competitive loan it really is a godsend when you come across a company like Zopa.

Once I had given them all the details they needed, which didn't take too much time at all, I was able to relax a bit and wait for them to do their work. The result is this very good loan that ticks all the boxes of my requirements and I have to give them full marks for providing such a great service.

Review posted by Mr E., Chigwell, Essex

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

A short while ago I was after a personal loan to do some refurbishing at home before Xmas.
It was nothing serious but the wife and I both thought that a little bit of an interior facelift would lift everybody's spirits.
So we applied for a personal loan from a company called ZOPA. Certainly not one of the better known companies but an award winning one and we asked for £5000 which was approved very quickly indeed. It was also arranged that we repay over two years which suited us well and once our creditworthiness was confirmed the money was in our account.
Zopa are really professional and to be commended.

Review posted by Graham Killian

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I found Zopa on the website for loan comparisons and couldn't believe my luck. Great! someone was going to do the hard work for me and find me a brilliant loan. That's what I was hoping and to my relief Zopa haven't let me down. A low interest rate, affordable monthly repayments, that's all I was asking for really and I got both.

I have just agreed to an amazing loan that I really don't think I would have been able to sort out by myself. Its a bit like having a designer dress made specially for you, not that I'm speaking from experience but that's just how I imagine it would feel, which is Great!

Review posted by Bella P., Essex

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I applied for a loan with Zopa via the online app and I have to say I was pleasantly surprised at how straight forward the application process was.
After filling in an online personal quote that was surprisingly really easy, and this did not effect my credit rating at all in doing so.
The rate i was offered was about half of which I was quoted by my bank and the load was approved in under 24 hours with the money in my bank 2 days after that.
I was really impressed with the service, and based on my personal experience i wouldn't hesitate to recommend Zopa to others.
I like the idea of cutting out the banks and using a peer to peer lending service too. Although i do find this secondary to the fact that they offered the best rate I could get.

Review posted by Lesley White

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed to take out a personal loan to pay off some debts I had accrued while in college. Some friends had transferred their loan amounts and consolidated them by getting a loan, so I figured I should probably do the same and probably get a better interest rate. One of my friends had used Zopa and said what a great deal he had been offered, so I thought I would go down that road too.

I looked on line and read their website. I liked the idea of them partnering you with the right lender, depending upon your circumstances. I filled out the application which was not too hard and waited to see what kind of response I got. I did find the on line calculator helpful because it gave you an idea of what your repayments would be. I did have to jump through some hoops to provide additional information, but it was worth it. I got the loan at a good rate, so I was well pleased.

Review posted by Victor S.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had accumulated student loans after university and now that I have steady employment decided that I would try and pay those loans off and just concentrate on one repayment. It took a while to decide this as I have never asked for a personal loan before, so I was feeling a bit nervous about it.

A friend told me about Zopa and that they had been really helpful and instrumental in getting her a loan. Therefore I went on line and pulled up their website to read about them. What they had to say seemed pretty simple and straightforward so I actually called them to find out more. They helped me put together an application and I was granted a loan with a very good interest rate. I am glad I went ahead and worked with Zopa, at least now I am earning a credit score.

Review posted by Teresa Shaw

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My co worker recommended i take a look at them when i was continuously rambling about money problems.
I had a nose online and i did like what i was reading so i filled out the online quotation just to see if it would be worth moving company's to save me some money.
I am paying around £46 less a month now thanks to my new Zopa Account and i can manage me loan my self online its really simple.
The loan process took around 4 working days and i was impressed with how fast they had taken care of everything.
I am happy with the service i have received and i am so glad i changed over to Zopa.

Review posted by Melody

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My daughter was getting married and I really wanted to give her a fabulous day. I did not have enough money in the bank so decided to take out a personal loan to cover the expenses. My brother told me about some different loan companies that he had researched when he wanted to consider a loan and pointed me to Zopa, as they were really helpful to him when he applied.

I looked on line at the Zopa website and read their lending criteria. I also used their online calculator which provided me with the options I needed to consider, like how much to borrow and what the repayment amounts would be. I did speak to their customer service to get some more feed back and went ahead and completed an application. I felt well-informed after talking to them and was delighted when they returned a positive response. A good company to work with.

Review posted by Roger C.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My wife and I wanted to travel and buy a camper so we decided to look into a personal loan to fulfill our dream. We had not applied for a loan before and were at a bit of a loss as to where to start. A friend of mine had done some research on loan companies and said that they had found a website called Readies which helped them decide on which lender to use.

So rather than do all the same homework we looked at the Readies website and studied all the lenders listed. We were rather taken with Zopa and what they had to offer. It felt like they were taking a very personal interest in you and your circumstances and matching you with an appropriate lender. So we went ahead and applied for a personal loan and provided all the information they asked for. It did not take too long before we heard back from them and they introduced us to a lender who was willing to offer us a very good deal. I am glad we picked Zopa.

Review posted by Paul Bailey

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Credit card payments were the bane of my life and I wished I had not gone with all those 0% interest offers, lesson learned now I am paying them off. That is thanks to Zopa. I applied to them for a personal loan to consolidate the payments I was making. At least the interest rate was much better than I had on the credit card companies.

Zopa put me together with a loan company that gave me very acceptable terms and conditions, after they considered my personal circumstances and financial history. I had an idea what the terms would be because I was able to use their calculator on line, a very handy tool. Its good to be out from under those card payments, I cant thank Zopa enough.

Review posted by Alison Ford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I originally contacted Zopa around 4 years ago when i bough my first car, thanks to there help.
I had never experienced any issues with my loan with Zopa. I can always trust my monthly payments to be taken and paid on time. This service has never let me down in any way shape or forum.
Customer service were lovely when i contacted them last week to inquire about an early repayment option. There was no charge or cost in doing this and i managed to close my account 5 months early with there help.
Will recommend Zopa and there customer service team are 5 stars!

Review posted by Ally Alexander

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm a 25 year old man, I'm Portuguese but have lived in the UK for the last 8 years and am a UK resident.
I have a good job and earn a decent wage.
I made the decision to go to Lisbon to see a big derby, football match between Benfica and Sporting and at same time stay there for a 4 day break.
As cash is a little short I applied on line for £1000 loan payable over 12 months with Zopa, for the simple reason that they allow you to repay the loan back at any stage you wish, with no extra charges.
Im very excited as the match was today and I took a bet that my team Sporting would win by 3 goals or more and as they did I won enough money to pay back the loan with no penalties, so I'm very impressed that Zopa would allow this.
I ended up just paying one instalment.
I sure know which financial institution to approach, next time I need some quick cash.
Thank you Zopa!

Review posted by Pedro Costa

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  • Flexibility
  • Ease Of Use
  • Value For Money

My husband and I had recently purchased a new home but we lacked the funds to put in the landscaping. We had some great ideas that we wanted to see come to life. We talked about getting a personal loan as we both had very good paying jobs, so making payments would not be a problem.

We looked on line to start researching who to apply to and found Zopa. When we read all about this company it seemed like a really good outfit to try. We liked the fact that they found a lender who would be a good match for us, seemed like they were taking a personal interest in you. We completed the loan application and found it to be pretty heavy duty with the information they wanted, but the outcome was worth it. I guess they needed to make sure we could make the payments. The interest rate they offered was pretty good, so we accepted the loan offer and when the money was in the bank, we started on the garden. Good people to work with.

Review posted by Jenny Acheson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I think Zopa is a great concept when it comes to finding a suitable loan. I like the peer to peer logic they use when finding the right loan for you. It's a case of finding the loan that suits your requirements and not a case of you having to suit the requirements of the lender. There should be more companies like Zopa available and I am not surprised they have won so many awards.

I have just got my first ever personal loan with the help of Zopa and I am really happy with the terms and conditions of it. My biggest fear was taking out a loan that was going to overstretch my finances each month but Zopa have made sure that is not going to be the case and I think that is one of the best reasons to use Zopa if you want a an affordable loan.

I have already recommended them to several of my friends and I wouldn't have done that if I was not completely satisfied with the service Zopa have given me.

Review posted by Mark Fisher

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I picked Zopa out of a long list of loan providers as they had this unusual way to do business. They found me a lender that suited my circumstances and the terms and conditions of the loan were pretty good.

I wanted to do some house improvements and thought if I could obtain a personal loan, that would be better than using my savings. I liked the idea of being able to pay early too if I had extra cash, they did not charge you any fees. I did find the calculator a very handy tool as I could see the kind of terms I would get. I was really happy that I picked Zopa for my financial needs.

Review posted by Mike Stoddard

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I came across Zopa through a price comparison website and i was really pleased with there suggested. On the Zopa website i completed the initial checks and to see the details of the loan and if i was eligible to apply for one. I found that this was quick and easy to do before proceeding to my full application.

The application form was quick and easy to fill out and the questions were not too intrusive. The application form took about 10 min and the details needed were not to pressing or personal.

The only drawback for me was the loan approval was not instant. I had to wait for a day which was a bit nerve-racking to find out if i was accepted. This was still quicker than the 48 hour time frame which they suggested at the start.

Overall, I am very pleased with this service and the best thing i have found about Zopa is that you can repay the loan early, at any point within the loan agreement period.

Review posted by Peter Smillie

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  • Flexibility
  • Ease Of Use
  • Value For Money

My poor old beat up car was just about on its last legs and I really needed to buy a decent second hand vehicle. I had some savings but not enough to buy what I wanted. I figured if I managed to get a personal loan from some one I could go car shopping. So I went shopping on line to find a lender that I felt I could work with.

Zopa popped up on my radar as I went through quite a few companies that were offering to lend you money. I liked what I read about them and decided to apply. I used the online calculator to help me decide what sort of money I should be requesting, this was a very good tool. I filled out the application with the amount I wanted to borrow and they came back with a very reasonable offer, after just a few days. I knew they had to do a lot of checking on my background and credit history, so I was not expecting an instant reply. So the outcome was worth waiting for, I got my loan and went car shopping. A was very happy with my Zopa experience.

Review posted by Paula Stevens

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  • Ease Of Use
  • Value For Money

Having just used the services of Zopa for the first time, I can see why they are so popular with borrowers and lenders alike. It makes sense to try and find the most suitable loan option that isn't just about getting the lowest APR. There are several other factors that have to be taken into account when borrowing a large sum of money and I personally wouldn't have committed myself to this loan if I wasn't happy with the whole package.

To sum things up, I think what Zopa are offering you with their loans is the whole package with no unnecessary compromises. If they are giving that to all their customers then I think they deserve the awards they have been given and I for one would nominate them for future awards of this kind.

Review posted by David Henderson

  • Customer Service
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  • Ease Of Use
  • Value For Money

Hi,
I applied for a loan with Zopa to simplify my finances. The credit cards / store cards had got a little bit much and I needed to find a structured way to start paying off my debt.
I didn't get the advertised rate, and this was disappointing as a lower % rate would have been nice. But to be fair I was not getting anywhere with the credit cards and there 18.9% and I felt the rate was a fair reflection of the risk involved when using plastic.
I believe I can also make over payments on my loan,so I am confident I can get on top of this now since cutting up after paying of all my cards!

Review posted by K Hastin

  • Customer Service
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  • Ease Of Use
  • Value For Money

I would like to thank all the staff of Zopa for their professional approach to agreeing my loan with them.
I was a little skeptical at the start when i was learning the workings behind the loan, repayment setup and funds transfers.
However, there was regular contact through email and phone and it came across as a professional approach when dealing with Zopa.
Zopa and its members of staff approved my loan and i receive the funds in such a short period of time it was also at such a competitive rate, another huge bonus for using Zopa.

I would be more than happy to recommend to friends.

Review posted by Happy Customer

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  • Ease Of Use
  • Value For Money

Zopa is an online lending company with a 5 star customer rating. They also offer peer-to-peer lending, which effectively cuts out the middle-man, meaning their interest rates can be kept relatively low. Customer service reviews across the internet are faultless and their easy-to-navigate website really set them apart from online and high street lenders. Reviews also comment on the advantage of borrowing directly from the lender and how easy the application process for a loan is. They offer a 4.8% APR representative for loans of £1,000 to £25,000, which can be taken out over a period of 24 months to 60 months. If you were to borrow £7,500 over a 3 year period, then monthly payments would be £223.87 and the total amount payable would be £8055.56. However, this includes £425.66 interest at 3.6% fixed and a £130.00 fee; therefore, the total amount of credit is £7630.00. The Guardian commented on Zopa as a lender who is at the forefront of contemporary lending and how it matches savers with lenders who want to borrow. Zopa is creating considerable brand awareness by achieving positive write-ups in respected national newspapers. Customers are intrigued by the option of direct lending, whilst simultaneously pondering the exceptional interest rate offered. Thus, with all of the positive press that Zopa is accumulating, it is worth considering them if you are taking out a loan.

Review posted by Sarah Grant

  • Customer Service
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  • Ease Of Use
  • Value For Money

In these tough times when banks have been instructed to take a conservative approach to personal lending. I find that Zopa still offers a sensible and helpful way of lending, and even more importantly i have found them to be a great affordable alternative to main stream banks.

This interest I was to be charged by my bank on the same sized loan as I received from Zopa, was ridiculous as opposed to the infinitely more realistic and affordable rate with Zopa themselves.
(We are talking at least a thousands of a difference)

I have, and will continue to recommend this organisation to anyone seeking an affordable loan.

Review posted by Miss Anne Salerno

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I would just like to express how impressed I am of the level of service provided by Zopa. Friendly customer service adviser who call back and email when promised.

In what can be a stressful experience applying for a loan then having to wait for a decision, this was smooth to do, easy and trouble free.

Very timely process providing that you are eligible but on the plus the communications is second to none from Zopa

Thank you!
Your service is much appreciated, I will not hesitate to mention your company to anyone I know needing loans etc...in the future.

Review posted by John Reid1

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I really like the idea of Zopa as a company, borrowing money from real people and getting a better rate.
I was pre approved for a loan online, which meant for me that it would need to wait while the application goes to the underwriters to make a final decision. I believe Zopa are only a small company and do not have hundreds of staff so i was more than happy to wait on a reply.

Email confirmation stated that this can take up to three working days from the underwriters. They also tell you to keep your phone close to you so you are easily accessible if they call.


On the friday (4 days later) I contacted them through their messaging service to ask what was going on.
I had heard nothing by phone or email. I got a reply saying it had been looked into and due to high demand it was taking up to one week to get loans approved.

I was then told I should hear by Monday but if I wanted to rush my application i could do this faster But i would need to pay for that service (£57.50) that annoyed me as this was not my fault there application was taken longer.
I also thought it would be a waste of money to rush through my app on a Friday when it was a weekend i would wait till monday.

I was contacted on money shortly after i needed to message in again online to find out what was going on again!
Not the smoothest service.
I hope Zopa take these issues into account and improve their level of service in the future for other customer looking to join.

Review posted by Paul Rose

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  • Ease Of Use
  • Value For Money

Most people want a good deal hence they apply, but that shouldn't come at the expense of good service and communication.
I'm sure that this company is very busy, like many of there competitors, but why should the customers suffer?
This is not my first dealing with Zopa, but i am sad to say it is the first time i have not been totally satisfied with the service.
Usually i find there customer service team helpful and pleasant to deal but not in this case.
I applied online threw my log in and manage my account options was straightforward to do.
I have never had a refereed decision before and was worried so i send an online message.
The reply was standard and didn't help me at all and in replying again and again for more help no one responded to me.
I then decided to call up and i felt the same script emailed out to me was give to me over the phone when all i wanted to know was what went wrong and why was it being passed on.
Customer Service was not helpful with this application process at all. This is disappointing as there rates and there website offer a great service!

Review posted by Miss Linda Kerr

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  • Ease Of Use
  • Value For Money

I don't really understand all this peer to peer stuff and haven't a clue really about how APRs work. I just know how much I am prepared to pay extra for the privilege of getting a loan. So the little bit extra I am paying on top of that for the excellent services of Zopa is well worth every last penny. My efforts at trying to find an affordable loan by myself was futile and I just got myself more and more confused. It was time to hand the task over to the experts and I just don't really know why I didn't go to Zopa in the first place and save myself so much time and frustration. I've finally got the perfect loan thanks to Zopa and they deserve every bit of their fee.

Review posted by Sally Rutledge, Brighton

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  • Ease Of Use
  • Value For Money

In my job I am on the road most of the time and when I am not driving I am usually sleeping. That's what being a long haul lorry driver is all about. So when I needed to get a small loan to buy my son a car after he passed his driving test I took the easy route and went with Zopa. They got me a great loan two years ago to pay for a trip to Bali with my girlfriend who is now my wife and it was worth the small fee Zopa charge for finding you the right loan. I am not very patient when it comes to using the internet or the computer so I am happy to pay someone to do it for me. My wife is typing this review for me while I am about to go and get some shut eye after a 2 day delivery trip to Aberdeen and back.

Review posted by Mark Slater, Beaconsfield

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  • Ease Of Use
  • Value For Money

A friend of mine used Zopa to help her find a good loan and she was very happy with what they came up with so I decided to take her advice and let Zopa do all the hard work for me for a reasonable fee. I wouldn't have gone with them if they had been charging a lot of money for the service because I have to watch the pennies and try and save money wherever I can. But as my friend said to me the money Zopa can save you by finding the most competitive and affordable loan is more than your will be paying them in fees and that made sense to me so I didn't hang about and just let them do their job. I've got a great loan thanks to Zopa and I would definitely use them again.

Review posted by Jill Bowyer, Sittingbourne

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  • Ease Of Use
  • Value For Money

Zopa would definitely be my first choice if I ever need another personal loan. I just wish I had found out about them sooner because I have had a few bad experiences with loan companies over the years and have had my fingers burned with loans that appeared to be just right for me but turned out to be a nightmare experience. Unless you have a lot of experience in the financial sector it is very easy for you to get in to trouble in the minefield of loans that are being offered. Going to Zopa was like having my own personal financial adviser and that is why I have ended up with the perfect loan for my circumstances and budget.

Thanks Zopa and keep up the good work!

Review posted by Cameron Burns

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  • Ease Of Use
  • Value For Money

My personal loan is 'up and running' now, as they say, and I just wanted to take the time to post a review to say how delighted I am with the service I received from Zopa.

I hadn't heard of them before I started looking for a potential lender but I am so glad I saw them on the loan comparison website because they were the answer to all my prayers. I knew how much money I needed to borrow and how much I could afford in monthly repayments and that was about it.

Iit seems that was all Zopa needed to know to be able to come up with the perfect personal loan for me. I really couldn't have asked for a better service and I will most definitely be recommending Zopa to family and friends.

Review posted by Jennifer F., Devon

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  • Ease Of Use
  • Value For Money

Unfortunately Zopa were not at all competitive in my case but I realised it too late. I wanted a loan with no penalties / barriers to early repayment as I had planned for early repayment all along. The loan I was offered by Zopa seemed to fit the bill, the interest quoted was reasonable and the repayments were reasonable. However, when I looked into it further I realised that Zopa loans do not work like other loans. They charge a Zopa fee which is added to the capital element, meaning irrespective of when you repay, you will need to pay for the Zopa fee in full. In my case the fee was 13.3% of the loan, and then there was interest on top. This meant that I had accepted a very poor deal - something I will never do again. I really think they need to be a lot clearer with their charges to make comparison across the market easier. I would never recommend them.

Review posted by Joanne

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  • Ease Of Use
  • Value For Money

Searching the net to find a loan company with the best deal, I came across ZOPA and because their loans were unsecured and they claim to have no hidden costs I decided to use them.
I applied online and asked for a personal loan of £4000 and requested that I pay it back monthly over a 4 year period. I had to furnish them with some credentials in terms of employment and residence etc.
Within no time at all the loan was approved and shortly thereafter the amount was transferred to my bank account.
I found them to be prompt and efficient which was just what I was after.

Review posted by Maurice Evans

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  • Flexibility
  • Ease Of Use
  • Value For Money

I'd seen the name ZOPA online on a number of occasions and even knew that they were held in high regard in the loan business having even won awards.
I needed a personal loan for a family matter and approached ZOPA online for a personal loan of £6000 to repay over 3 years.
I must have met their requirements because the loan was approved very soon after I had furnished them with all my credit information.

The loan is unsecured and the rate is fixed too and what is especially advantageous is that you can settle the debt early and not be charged extra fees.
To me ZOPA are the best.

Review posted by Richard Baker

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  • Ease Of Use
  • Value For Money

What I needed to was have a fence built all around my house so that my dogs don't get out and bother the neighbours.
I have a fence now but they jump over quite easily. so I was after something higher and more permanent. I got a quotation from a fencing company which was in the region of £4000. I then also got the neighbours blessing.

All I needed now was the money. So I applied online to ZOPA and asked for a personal loan of £5000. Obviously they do their credit checks and my credit score must have been good because the loan was approved and it wasn't too long before I had access to the money. The repayment structure was to be 36 monthly payments at a fixed interest rate which was really fair.
In fact I now have a very attractive fence around my house which has given us more privacy, more space and the dogs only go out when I let them. So everybody is happy and all thanks to ZOPA.

Review posted by Jason McClure

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  • Ease Of Use
  • Value For Money

We used Zopa loans recently to get some extra cash for our wedding, which we were having abroad. I didn't know much about peer to peer lending, and I will be honest I probably still only know the basics.

As long as I received my loan and paid it off every month it really didn't matter to me too much where it came from. After being accepted, the money was in our account really really quickly. there were a few teething problems for the first months payment, as we didn't realise what date the direct debit was set up for which was completely our mistake.

It only took one quick phone call to them to have it changed, which was a welcome relief as I have heard absolute horror stories about loan companies taking direct debits our on all sorts of dates and incurring charges. Ideally we wouldn't of had to take out credit for our dream wedding, but sometimes life does get in the way of these such things. Due to the fact we are not that old we really didn't want to be tied down with credit, but so far we have received great service from Zopa.

I would recommend them if you need to get some money quickly.

Review posted by Melissa Marshall

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  • Ease Of Use
  • Value For Money

The car I was after was priced at £9000 and I knew it wouldn't be at the dealership for very long so I needed a personal loan and quick.
I shopped around a bit online and was amazed at the low rates that ZOPA were offering on personal loans.
I could also see that I met with their criteria and so applied on line for a personal loan of £9000. They were very helpful and efficient and it was agreed that the repayment period would be 48 months at a fixed rate, which was very good. I was also informed that if I wanted I could also make early repayments and save on the interest.

All in all ZOPA were very impressive.

Review posted by Lewis Chaney

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  • Ease Of Use
  • Value For Money

My track record for taking out loans isn't too good. A couple of spur of the moment loans that ended up being more hassle than I imagined at the time.

This is definitely not going to be the case with my current loan because I have resisted the urge to use my usual spur of the moment attitude and I have gone with Zopa to get my loan.

I discovered them on the readies loan comparison website and I liked what I read about them. They offer a really good 'peer to peer' type of lending which basically matches the right lender with the right borrower. That's where I had been going wrong with previous loans. That won't be happening anymore. If I ever need another loan I am going straight to Zopa.

Review posted by Mr B, Potters Bar

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  • Ease Of Use
  • Value For Money

Me and my family have been living such a fast life, work - home, home - work... We havent really been enjoying life and I thinks its about time to take a break and enjoy ourselves even if its just for a week.

I spoke to my husband and he aggreed. The idea was to go and spend New Years Eve either in the south of Portugal or the south of Spain.

They always have lovely weather and really celebrate their New Years...

Zopa gave us the possibility to do that. I applied and got £2000 to pay over 10 months. The interest is acceptable and for this little holiday I think its totally worth it.

I have no complaints with this company.
Regards
Agatha

Review posted by Agatha M

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  • Ease Of Use
  • Value For Money

What a revelation Zopa were to me. I didn't know of their existence until I saw them on the loan comparison website and I immediately knew they would be the right people for me to get my loan from.

They set out to get you a loan that suits you and not expect you to take on a loan that comes with lots of compromises or terms and conditions that are just not suitable for your personal circumstances.

I would definitely use them again and I would also recommend them to my friends because I really do feel they are a company that is worth passing on the good news about.

Review posted by Therese M.

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  • Ease Of Use
  • Value For Money

I was out with some girlfriends last weekend, and after a glass of wine too many, I got all emotional and blurted out all my problems – the predominant one being my awful financial situation. Although I'm a bit embarrassed about the way the conversation came about, I'm really glad that I told my friends, as one of them told me about loans with Zopa. I had never taken out a loan before, so was a bit aprehensive about the whole process. In the end my friend came over to my house one night last week, and went through the whole thing with me, as she had already used Zopa and said they were great. I too will now recommend them, as their service was a lot easier to use than I was expecting. I just wish I hadn't put it off for so long, as I would have saved myself a great deal of stress!

Review posted by Deena Boxmoor

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

We are about to get some work done on a new house and hit a few bumps in the process.
We had budgeted for new renovations but had been quoted nearly £3000 more to get the job finished and up to code standard on time, we decided to try our luck. Rather than eat away at my rainy day fund I thought I'd give a loan a try.

The competitive rates mean I'm not going to be paying to much more back on the loan itself, and I've got the peace of mind knowing that I'm not back at 0.00 in our savings account.

The process was so simple
Applied online by filling in personal details, followed with uploaded a photo of a payslip and a photo of a bank statement.
This was all done over the weekend and then I buy Monday night i had an email tell me the funds were on the way in the next 24 hours.

Would highly recommend and can't fault the application process at all with Zopa.
The website and its easy platform to get an overview of the loan and an outline of what to expect when using Zopa as your lending company.

Thanks Zopa!!!

Review posted by Frank Hand

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I didn't quite understand the whole peer to peer lending thing in the beginning – I found the whole loan process confusing enough as it was, but when I took some time to actually sit down and read about what Zopa were offering, I realised I could possibly get a much better deal with them than with some of the other money lending companies I had used in the past. Now I can understand why their service has won awards. I got the lowest rate I have ever been offered, and the money was transferred to my account nice and quickly too.

Review posted by Beckie Lyle

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have used a few different lenders and banks in the past to take loans out and none of them have been as good as Zopa. I’d never had any experience with peer to peer lending, but after some awful experiences with the usual high street banks I decided it was time for a bit of a change.

I made the decision to take a loan out to help me pay for the engagement ring I was buying for my girlfriend- I wanted to pick out something really special not some cheap thing, so I needed a loan to cover the extra costs. I’d saved up a bit but not quite enough to get the dream ring that I had in mind.

I went on the Zopa website and read up on peer to peer lending, which I find really interesting. I much prefer the idea of the money being lent to me directly by an individual using Zopa, rather than going through one of the huge banks or dodgy lenders. I got a quick quote and was amazed by how low the interest rate was- far lower than anywhere else I’d looked, so I jumped at the chance to apply.

The application process is very easy and fast, and you can do it all online. They did a credit check and I found out the next day that I’d been approved for the loan. The service was quick as can be- I had the money within a couple days and was off to buy the ring and prepare my proposal speech. Lovely courteous service from Zopa and, best of all, awesome low interest rates. I won’t be going elsewhere anytime soon.

Review posted by Ricardo Sanchez

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I thought that Zopa was too good to be true, when i was looking into borrowing from them. The low rates are fantastic and did catch my attention on the comparison websites, i decided to go to Zopa's website direct.
Website is eye catching and easy to understand, it sets out a easy picture for you to see when it comes to how much you want to borrow and the loan term, also with there repayment options and APR rates.
I applied on a Saturday night and by the following Monday morning my Loan was approved and the email told me the funds would be with me in 24 hours. (this took around 74 hours...3 days)

Zopa did requested some further proof of earnings but that was easy to supply via the website to send to them. When you apply you are set up with a customer login so you can manage your own account.

Highly recommended as for me there easy to use service is value for money!

Review posted by Cameron Ford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Peer to peer lending was a whole new concept to me, and initially I thought Zopa was just a third party who was organising loans and taking a cut of the money. It turned out they were much more than that, and really offering a great service which allowed customers to get better rates than they may be able to find by searching themselves. I was really happy with the deal that Zopa got for me, and it has been great to save myself a bit of money – every little counts at the moment. My rate is fixed for the whole loan term too, so I will be able to budget accordingly.

Review posted by Lexie Haybourn

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

This is the second time i have used Zopa to borrow money, and I am always amazed at how helpful they are. I have noticed since the past how far the company has come in terms of how easy it is to use and super efficient. Customer service has always been professional, being as they are as a loan company.

The process was so much easier second time round, having all my details all ready on there system. I just needed to introduce updated documents and apply. I found the service was speedy each step of the way. Quick and easy and you get a answer straight away, Zopa did stay true to their word.

I would recommend Zopa to everyone I know who's looking to get a loan quickly and who don't want to feel intimidated when applying. Zopa are the number one loan company to use in my opinion. They are miles apart from your banks and other loan companies out there, with real people behind it the scene who care and help there customers every time!

They are a company that treat you like you should be treated as a customer

Review posted by Dan Allen

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I work long hours and spend a lot of my working day driving on motorways up and down the country. So when I needed to find a competitive loan that was suited to my particular circumstances I took a friends advice and went straight to the Zopa website.

Zopa basically did all the hardwork for me because I didn't have the time or the inclination to sit browsing through the entire loan comparison website first.

Once I had submitted all my information and requirements to them on their loan calculator and was happy with the sort of rate I might be expected to pay I went ahead with things and left the rest with Zopa. By the time I had got back from my latest motorway journey my loan application had been approved and the money was in my account.

If you want a loan that is as easy to apply for as mine then I would recommend Zopa.

Review posted by Dean Saunders

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I had two loans and an overdraft still to pay off and i was struggling due to a change in life circumstances to keep up with all the repayments.
Which were quite a hefty chunk a month income was spend on debt that was not all mine.

I used Zopa to consolidate this into one monthly repayment to help me save money and get back on top of my fancies.
Zopa helped me in many ways, due to the low interest rate i got when accepted, this came to a much smaller monthly payment that what i was paying before and was much easier for me to handle each month.
Zopa were easily accessible online and they phoned me to get more information about my circumstances, so they could be sure of my situation. They then they let me know the outcome the next day.
So it was quick and personable response from them and i felt was a nice personal touch someone keeping in contact with me.

I have many a few repayments and i can feel and start to enjoy the benefits of having a little more spare cash!
Thank you Zopa

Review posted by Stephane Lawson

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I am not particularly lazy but if there is an easier and more reliable way of finding a competitive loan then why wouldn't you use it.

I had already spent ages online looking for a suitable loan when I came across the Zopa website and just decided to give them a go.

I immediately liked their straightforward way of assessing your loan requirements and giving you the initial quote so that you knew what you were signing up for. As I work for an estate agents it felt a bit like using a mortgage broker when buying a house and I could relate to that.

So now that Zopa have confirmed my personal loan and the usual credit history checks etc have been done I am just waiting to hear that the money is in my bank account which shouldn't be more than 48 hours according to Zopa so that is fine by me.

Review posted by Jared Pickering

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Zopa was quoted to me when i was carrying out a "soft" search for a loan online. I found it very easy to apply using there application process that is set up in easy steps in fill in.
The Zopa team were great, they kept me up to date by email of the loan process and when i was approved within 3 hours they contacted me again. Zopa advised that the money would be in my account within 3 working days and was happy when in fact it arrived on the second day in my bank account.
Easy access to required documents that need to be send online and i found terms and conditions easy to download and read threw.
The payment date is set by Zopa initially but there is the option of changing it if you wish.
As the date they gave me did not suit my wage payment date. I changed this myself online after my first payment was made. There is also the option to pay the loan off early without penalties as well.

Review posted by Sam

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I spend every minute of my working day looking after my very demanding boss and all her personal finances would be a mess if it wasn't for me.

However when it comes to my own finances I just don't have the time to give them as much attention. So when I needed to get a personal loan to pay for a new car I did one quick online application with Zopa and let them do the rest.

I had used Zopa before and so I knew what I was agreeing to and now that they have confirmed my new loan and the money is in my bank account I am glad they are still a company I can rely on. I had thought about recommending them to my boss but she would only say that's what she employs me for.

Review posted by Selina Marsham

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been a Zopa customer for over one year now and all my dealings with the company have been friendly and quick an efficient.
I think in this current financial market Zopa are a courteous company that offer low APR services when no others do.
I have recently applied for a top up loan which has been provided to me with exactly what I needed in an extremely effective manner. There customer service team are more than willing to help with no questions asked. I would highly recommend Zopa to anyone considering a loan.
The online system is very user friendly and because I am already an account holder it made the process of applying for the top up even more straightforward and easy to do.
Highly recommend Zopa's service

Review posted by Tina Patel

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I wish I had found Zopa at the beginning of my online search for a loan because it would have saved me a lot of time and effort. But once I had found them I felt really excited about the prospect of finally getting the right loan.

My borrowing amount was quite high , the most I had ever borrowed before and so it was really important that i got the right deal. I couldn't afford to pay any more than really necessary each month because of the other financial commitments I had so getting the right loan centred around low interest rate and affordable monthly repayment. I didn't have a problem with taking the loan out over a longer period so long as it was competitive and affordable.

Zopa seemed to base their service on that same way of thinking because they found me a loan that matched my requirements almost 100% and in fact I think they came up with a better deal than I originally asked for. I know I had a bit of a wait to hear back from them but once I did and they confirmed the loan package they had put together for me I only had to wait less than 24 hours for the funds to reach my bank account. My mum always says good things come to those who wait and she was right about that.

Review posted by James P., Colchester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I definitely think it was worth the small fee I had to pay Zopa to find this personal loan for me. I know I would probably still be looking or maybe have ended up with a loan that wasn't quite right for me if I had tried to do it on my own. I had already tried to make a start by looking on the loan comparison website but as soon as I saw Zopa and read what they offer for their small fee i decided to play safe and use them instead. I don't begrudge paying that fee because i am really happy with the loan they have found for me and I would use them again without question if I ever needed another loan. I've told my friends about Zopa because I think they would be interested in knowing there is a company like this.

Review posted by Gemma Locke, Forest Gate

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

In the middle of the night, somewhere last month my phone rang. It was an overseas call from my sister in law from the Philippines for my wife who's from the Philippines herself with a more than alarming message. Her cousin, a engineer working aboard of a ship had an accident by falling several meters down, causing him major fractions and internal bleedings. If we could support them by sending already some money for his confinement in a local hospital in Manila.

So we did, even we hadn't much reserves, financially spoken. After spending some hours in comparing loan companies providing unsecured loans we ended up with Zopa. Zopa is a award-winning lender of money between the 1000 and 25.000 quid. Their trustworthiness and good reviews were the reason to select this company.

The coverage of the hospital's confinement was estimated on a £10,000 which isn't much compared with ours. The promise of the cousins family to repay us (without telling them we had a loan) was reason to push through with it, expecting the amount on our account within a few days.

And so it happened. To my personal surprise I must say, as I always have my doubts about bank's promises, usually turning out to differ in each and every situation. Not here I must say. No extra charges, no hidden fees. Just that we were after.

The guy is still in the hospital but left the IC unit, recovering from his fall. We hope and pray for the best. In the meantime we have had received already the amount of 2000 quid from the shipowner's insurance company. In this way, Zopa saves lives too.

Review posted by Bob Thule

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

After searching round for many different small loans options with a reasonable repayment rates I stumbled upon Zopa.
I found when looking on there website direct that Zopa were easy and simple to use and their terms totally reasonable. Once i decided that option was suitable to myself i just clicked and applied online, this was easy to do in my own time and i liked the option of taken my time.
I was not accepted online as this did come back as a referral and someone would look into this and be in touch. A email that followed the online referral gave me many information of what was happening and how long it could take.
Someone did contact me later in that week and was happy they called me and there was no long drawn out phone conversations involved as i was approved. All i needed to do was email some further bank statements to them and then money would be released to me.

I like how Zopa work as a company and there trained staff seem to know what they are doing, so please keep up the good work!

Thank you

Review posted by London Lad

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I needed a small personal loan just for some urgent refurbishing at home. My wife had her eye on redecorating the lounge and dining room. She was the boss in that department so naturally I agreed.
I went online and looked for a loan company with the best deal in terms of flexibility and rate.

ZOPA was the name that stood out and so I went online and filled out the application asking for £6000 to settle in 2 years.
The loan was approved as soon as my positive credit history was confirmed.
The thing I really like about ZOPA is the fixed rate they offer. The whole process was prompt and professional and I'll certainly use them again.

Review posted by Justin Portman

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  • Flexibility
  • Ease Of Use
  • Value For Money

Me and my mother have spoke about going to New York for new years eve since I was little.
To be in centre park and see all the lights and fire works and enjoy a whole diffrent type of experience and celebrations US style has always been a dream we have both shared.
My mum turned 50 a couple of months back and I will be the big 3 0 in December, so I think having two big birthday it's the perfect excuse to splash out and take her away for new year 2015.
I applied for a loan with Zopa Online , I wasn't sure what company or even bank I was going to go with untill I started to look and I decided Zopa was the company for me so I applied with them for a loan.

Going to New York is not a cheap thing to do and at this time off year and even new year just around the corner I need money to make this holiday happen. I applied to borrow £7000 with Zopa over 2 years I still like at home so I can afford to make these repayments every month.
It works out at £228.69 a month and with my wages and no rent or bills to pay I will have this paid off in the 2 years no problem.

Review posted by Yolanda

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  • Flexibility
  • Ease Of Use
  • Value For Money

My dad used Zopa to get his loan recently and told me to try them for my loan. I thought I had already found a suitable loan and was about to accept the quote but my dad said he didn't think it was that good a loan and that I should definitely give Zopa a chance before taking the first loan offer. I am so glad I did because the loan Zopa have found for me is hundreds of pounds cheaper than the first loan and that is taking into consideration the fee that Zopa are charging me. It really was a no brainer to ditch the other loan offer and go with what Zopa had come up with. Cheers dad!

Review posted by Liam Morris, Deansgate, Manchester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Great start to the process with Zopa.
I applied at around 2 pm for a small personal loan last Tuesday and was accepted just 2 hours later that very same day. I was really impressed and happy that this was approved so fast and with no hassle what so ever when using Zopa online to apply.

I got an email to confirm everything and this was fine, followed by an approval email and a 48 hour time scale for the money to be sent to me.
Thursday afternoon came and i called up Zopa with no luck on my call being answered as hold time was nearly one hour so i emailed them.
Friday i had a reply, but to me sounded automatic and was unhelpful so again i tried to call up as still no money in my account.
When i finally did get to speak with someone who could help figure out where my money was it was around 6 pm at night and would not get my funds till monday.
The person to whom i was dealing with promised to call me back on monday and did with the approval of funds clear in my bank account.

There service started out great and ended up being just ok.
If it was not for good trained customer service i may not be a zopa customer today.

Lets hope i have no other issues going forward

Review posted by Carolyn

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My friend Scott told me about the loan he has with Zopa , it creeped up in conversation when I was telling him we were thinking about getting a new kitchen.

My wife has been doing my head in about a new kitchen since we moved in to house and bought it in 2008.
It has been years and she has been getting more persistsnt now she is working and the wee man is at school full time.

I applied for Zopa as out of the two of us I have the better credit rating and we wanted to get the best rate possible.
We did look into borrowing money from our own bank but the loan rate for the amount we needed started at 6.3% and that's highter than Zopa offer or advertise as there start rate.
Like I said I have the better credit rate out of the two of us so I applied online with the loan from Zopa and I was approved online.
I had no doubt that I would not be approved I was just a little worried about the rate , but I was approved under 5% but not as low as I would have liked. Still alot better than my own bank but I won't name name. I'm just glad Zopa came threw for me , that's all.

Review posted by Mr Ramóne

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

When I read the 'peer to peer' bit I knew Zopa would be a good bet for my loan. I'd heard from other people that peer to peer lending meant a wider and better choice of loan options so it just made sense to go with Zopa for this personal loan. I really have made a good choice because Zopa have found a really great loan for me that fulfils all the criteria I gave them and even with their fee added on I still think I have got a very affordable loan. I would definitely recommend Zopa to family and friends who may be looking for a good loan.

Review posted by Mel Worsley, Harpenden, Herts.

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have enjoyed my experience as a Zopa customer, and i have left some honest feedback below..

The website is really easy to use, the details of the loan are easy to understand and the decision for me was really quick. The loan rates i have found are the mostly competitive on the market.

I did encountered a technical error when going through the application process but one click took me back to where i was before.
They set up online account for you but i have never had a need to use this.

The only thing I would like to see Zopa improve in future is the time to transfer the funds in to the customers account. 3 working days seems to be standard but i have heard of other company's that can now offer the funds faster than Zopa.

Review posted by Chad

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

My advice to everyone looking to take out a personal loan is not to rush in to it and take all the time you can.
If it's possible that you have any doubt then don't borrow yet or give the company a call , like I did with Zopa. Borrowing money is a big comitment depending on the loan you are looking for you are tied into a long term contract so it's not a decisions to make lightly.

I found Zopa to be very tempting rates and loan term so i called them up and let them help me get the loan that is right for myself.
I had a nice long conversation full on many options and ways Zopa could help me I was impressed how flexible that were or atleast they were with myself.

I am glad I called up Zopa and gave them to chance to help me it was alot better than doing everything online as I did not feel safe to do.
ZOPA is a good company.

Review posted by Mrs Hunter

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I was a little leery of Zopa’s business model at first, but I’m convinced after using them that it was ultimately a good deal and is a great thing for people who need it. Zopa is like a network of lenders and they match you up with an institution that is giving loans for people that fall into your demographic and circumstances. It’s like getting an individual quote, but without the extra work that usually goes into that and the more expensive administration fees.

We didn’t need a business loan, but if you do you need to be a sole trader to qualify. They calculated our interest rate according to our credit history and gave us a flexible repayment plan over 4 years. The rate was fixed and the best feature about it is that we do not need to pay an additional fee for early repayment, unlike a lot of other providers.

Also you do need to have an income of £12,000 per year to use their services, so this might not be the right loan provider for everyone out there. Our loan was used to buy a new cooker, fridge, dryer and washing machine. All the appliances were delivered on time and we are happy with the service we have received overall.

Review posted by Mason Quinn

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  • Flexibility
  • Ease Of Use
  • Value For Money