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

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

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

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.

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

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.

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

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

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

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

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

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.,

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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