Zopa Loan

Compare Zopa Loans

Zopa loans are provided by the world's first lending and borrowing market place between people, not banks. If you are looking for a personal loan you may be wondering what a Zopa loan can offer you. You can use the comparison tables below to view loans from different providers.

Featured Loan Deal - Zopa Personal Loan
ProviderLoan AmountCredit HistoryRates FromTerm 
£1,000 to £25,000Good Credit Only3.0%



1 year to 5 yearsGet Quotes >
Loans from £1,000 to £25,000. Fixed monthly payments and no set-up charges. 3.0% APR Representative. A loan of £10,000 over 5 years will cost you £179.68 per month at a representative 3.0% APR. The total cost after 5 years is £10,780, which includes £780.80 interest at 3.0% fixed and a £0 fee. The total amount of credit is £10,000. The rate and fee you are offered will depend on your individual circumstances
ProviderLoan AmountCredit HistoryRates FromTerm 
£2,500 to £15,000Good Credit Only3.2%



2 years to 5 yearsGet Quotes >
  • 10 minute online quote, instant decision
  • Money can be with you within 48 hours
  • No arrangement, over payment or early repayment fees
  • Must be aged 21 or over
  • UK Resident with a UK bank account

Representative Example:  The Representative APR is 3.2%, so if you borrow £7,500 over 3 years at a rate of 3.03% p.a. (fixed) plus an arrangement fee of £30, you will repay £218.94 for 36 months and £7,881.84 in total.

£1,000 to £25,000Good Credit Only7.9%


1 year to 7 yearsGet Quotes >
  • 7.9% APR Fixed for personal loans between £1,000 and £25,000 
  • Sole or joint names
  • Choose loan length (1 to 5 year for loans £1,000 to £15,000, 1 to 7 year for loans £15,100 to £25,000)
  • Get a personalised quote online without affecting your credit score
  • Option to repay early, unlimited over payments and payment holidays
  • No fees to pay
  • Must be aged between 50 and 75 
  • Must own your home in England, Scotland or Wales
  • Must have a single or combined income of at least £12,000, which includes pensions and income from savings and investments.
  • Provided by Shawbrook Bank Limited
  • Acromas Financial Services Limited is a credit broker, not a credit lender

Representative Example: The Representative APR is 7.9%. Based on an assumed loan amount of £10,000 over 36 months at a interest rate of 7.9% pa (fixed), you will repay £311.65 per month. Total amount you repay £11,219.40.

£1,000 to £25,000All Credit Histories Considered14.9%


1 to 5 YearsGet Quotes >

Representative example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

£1,000 to £20,000All Credit Histories Considered42.5%


1 to 4 YearsGet Quotes >
  • Rebuild Your Credit
  • Interest rates start from 9.3% APR
  • Fast,online application - optimised for all desktop / mobile / tablet devices
  • Instant Online Decision using 'soft' credit searches (Won't affect your credit score)
  • Funds as soon as same day
  • No hidden fees or early repayment charges
  • Must be aged 18
  • Must be UK resident
  • Administration fee applies, not payable upfront but instead included in monthly repayments
  • Applicants must have a net monthly income of at least £1,000, be in full time or part time employment, and have no CCJ's

Representative Example: The Representative APR is 42.5% (fixed). If you borrow £3,000 over 3 years at a rate of 31.9% p.a (fixed) plus an arrangement fee of £157.90, you will repay £137.31 per month & £4,943.24 in total.

£1,000 to £5,000Fair & Poor Credit59.9%


1 to 3 YearsGet Quotes >
  • Know if you'll be accepted before you apply
  • Applying won't affect your credit score
  • No fees charged
  • Borrow more later, if you're eligible
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 59.9% (fixed). If you borrow £2,000 over 2 years at a rate of 59.9 p.a (fixed), you will repay £131.05 per month & £3,145.20 in total.

£1,000 to £20,000All Credit Histories Considered99.90%


1 to 2 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% (fixed) - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

How do Zopa loans work?

  • You pay a small fee
  • Depending on your credit rating lenders will offer you rates
  • You set up a monthly repayments scheme


Borrowing money through Zopa loans is similar to borrowing from a bank so it cuts out the middle man.


Zopa Loan features:

  • Loans available over 1, 2, 3, 4 or 5 years
  • Borrow between £1,000 and £25,000
  • Decisions within 48 hours during week days


To be eligible for a Zopa loan you must:

  • Be aged 20 years or older
  • Have a good credit history
  • Be a current UK resident, with 3 years of address history
  • Have an income of at least £12,000 a year, could be a salary or pension.


Zopa Loan Calculator

If you are interested in a Zopa loan, you can use the calculator on their website to get an indication of how much it might cost you both in total repayment and what it breaks down as in monthly instalments. You just need to enter into the Zopa loan calculator how much you want to borrow and how long you want the repayment term to be and the Zopa loan calculator will generate an estimate for you using the lender’s Representative APR for a loan of that size. Remember however if you decide to apply for a Zopa loan, the APR you are offered and repayment fee may be differ, this is because lenders may tailor the APR they are willing to offer you once they have assessed your individual circumstances.


Before you apply for a loan


Taking out a loan can be a big commitment, before you apply for one then it’s a good idea to shop around and do your research to try and find the best choice for you. Loans can vary between lenders, you may want to consider what loan features are important to you.


You may also want to consider alternatives to borrowing. If you already have the required sums in your savings it may be beneficial to use these instead. This is because the interest you gain from your savings may be less than the interest you would be charged on a loan of the same size.