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Social Lending

Borrow money with social lending!

Social lending provides a way for ordinary people like you borrow and lend money between each other, without using a bank. This has several advantages:

If you're a social borrower, you know the interest you pay is going to another individual, not a bank, and you get competitive rates

If you're a social lender, you could get competitive returns on your money, usually better than if you were to put it in a savings account

The world's first and most well-known social lending provider is Zopa, a website where borrowers and lenders can connect. Zopa loans work by:

  • You pay a small fee to take out a loan
  • Lenders offer you rates based on your credit rating
  • You choose the deal that you think is the best
  • You set up a monthly repayment scheme

To compare Zopa loans with other leading lenders, click on the links in the table below:

LenderMin - Max LoanCredit HistoryRepresentative APRTermApply
£1,500 - £50,000Good to Poor Credit19.1%2 to 5 YearsGet Quotes >
Take charge of your car finance with Zuto. Loans of £1,500 - £50,000 for 2-5 years. Representative Example: The Representative APR is 19.1% (fixed) so if you borrow £7,500 over 49 months at a rate of 19.1% p.a. (fixed) you will repay £218.78 per month and repay £10,501.26 in total. b>

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.