Zopa Personal Loan

Zopa started as a peer-to-peer lender and is now a fully licensed bank. Known for competitive rates and a slick online experience with soft credit check eligibility tools.

Last checked on August 15, 2026. We may earn a commission when you click through.

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Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.

Personal

Zopa Personal Loan

Zopa

Updated 1 day ago
5.9–34.9%

Representative APR

Amount £1k–£35k
Term 12–60 months
Decision ⚡ Minutes
Check eligibility →

You'll be redirected to zopa.com

Our Verdict

Excellent user experience and transparent eligibility checker. Rates can be very competitive for good credit scores but balloon for weaker profiles.

Best for:

Tech-savvy borrowers who want a modern, fully online application with clear rate previews.

Watch Out

The APR range is wide (5.9–34.9%). If your credit isn't spotless, you could end up paying well above average.

Loan Details

Loan Amount £1k–£35k
Term Length 12–60 months

Requirements

  • UK resident
  • 18+
  • Soft credit check first

Ready to check your rate?

Check eligibility →

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Similar Options

Bamboo Personal Loan

9.9% APR ⚡ Same day

Post Office Personal Loan

5.6% APR ⚡ Same day

Everyday Loans for Imperfect Credit

39.9% APR

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